45885 — Auglaize County, Ohio Market Snapshot
Housing market data for zip code 45885 in Auglaize County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$192,450
Days to Sell
38
Homes Sold
36
Inventory
39
Sale-to-List
97.5%
New Listings
51
Price/SqFt
$155
Pending Sales
44
Conforming Loan Available
Most homebuyers in 45885 can comfortably use conventional financing. The median home price of $192,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
45885's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 45885 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45885 can comfortably use conventional financing. The median home price of $192,450 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 45885 are set at the county level.
2026 Loan Limits — Auglaize County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 45885
To purchase the median home at $192,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,624.
Monthly Payment
$1,624
Income Required
$69,621
Principal & Interest
$1,186/mo
Down Payment (5%)
$9,623
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 45885.
Estimated Monthly Payment
$1,341
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