45505 — Clark County, Ohio Market Snapshot
Housing market data for zip code 45505 in Clark County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$159,950
Days to Sell
38
Homes Sold
56
Inventory
62
Sale-to-List
96.4%
New Listings
88
Price/SqFt
$137
Pending Sales
77
Conforming Loan Available
Most homebuyers in 45505 can comfortably use conventional financing. The median home price of $159,950 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
45505'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 45505 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45505 can comfortably use conventional financing. The median home price of $159,950 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 45505 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 45505
To purchase the median home at $159,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,375.
Monthly Payment
$1,375
Income Required
$58,949
Principal & Interest
$986/mo
Down Payment (5%)
$7,998
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 45505.
Estimated Monthly Payment
$1,140
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