45504 — Clark County, Ohio Market Snapshot
Housing market data for zip code 45504 in Clark County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$227,500
Days to Sell
27
Homes Sold
43
Inventory
28
Sale-to-List
98.8%
New Listings
67
Price/SqFt
$151
Pending Sales
69
Conforming Loan Available
Most homebuyers in 45504 can comfortably use conventional financing. The median home price of $227,500 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 45504 are moving quickly at 27 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 45504 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45504 can comfortably use conventional financing. The median home price of $227,500 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 45504 are set at the county level.
2026 Loan Limits — Clark 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 45504
To purchase the median home at $227,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,893.
Monthly Payment
$1,893
Income Required
$81,130
Principal & Interest
$1,402/mo
Down Payment (5%)
$11,375
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 45504.
Estimated Monthly Payment
$1,558
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