45103 — Clermont County, Ohio Market Snapshot
Housing market data for zip code 45103 in Clermont County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$230,000
Days to Sell
58
Homes Sold
11
Inventory
7
Sale-to-List
98.0%
New Listings
9
Price/SqFt
$162
Pending Sales
10
Conforming Loan Available
Most homebuyers in 45103 can comfortably use conventional financing. The median home price of $230,000 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
45103's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 45103 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45103 can comfortably use conventional financing. The median home price of $230,000 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 45103 are set at the county level.
2026 Loan Limits — Clermont 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 45103
To purchase the median home at $230,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,912.
Monthly Payment
$1,912
Income Required
$81,951
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,500
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 45103.
Estimated Monthly Payment
$1,573
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