45344 — Champaign County, Ohio Market Snapshot
Housing market data for zip code 45344 in Champaign County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$238,750
Days to Sell
28
Homes Sold
46
Inventory
36
Sale-to-List
98.1%
New Listings
70
Price/SqFt
$163
Pending Sales
70
Conforming Loan Available
Most homebuyers in 45344 can comfortably use conventional financing. The median home price of $238,750 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
Homes in 45344 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 45344 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45344 can comfortably use conventional financing. The median home price of $238,750 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 45344 are set at the county level.
2026 Loan Limits — Champaign 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 45344
To purchase the median home at $238,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,979.
Monthly Payment
$1,979
Income Required
$84,824
Principal & Interest
$1,471/mo
Down Payment (5%)
$11,938
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 45344.
Estimated Monthly Payment
$1,628
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