44070 — Cuyahoga County, Ohio Market Snapshot
Housing market data for zip code 44070 in Cuyahoga County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
80 sales in 2026 (year to date)
Median Sale Price
$306,000
Days to Sell
6
Homes Sold
80
Inventory
43
Sale-to-List
102.4%
New Listings
127
Price/SqFt
$189
Pending Sales
110
Conforming Loan Available
Most homebuyers in 44070 can comfortably use conventional financing. The median home price of $306,000 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
44070 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes in 44070 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 44070 can comfortably use conventional financing. The median home price of $306,000 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 44070 are set at the county level.
2026 Loan Limits — Cuyahoga 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 44070
To purchase the median home at $306,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,494.
Monthly Payment
$2,494
Income Required
$106,906
Principal & Interest
$1,885/mo
Down Payment (5%)
$15,300
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 44070.
Estimated Monthly Payment
$2,044
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