44105 — Cuyahoga County, Ohio Market Snapshot
Housing market data for zip code 44105 in Cuyahoga County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
82 sales in 2026 (year to date)
Median Sale Price
$88,737
Days to Sell
41
Homes Sold
82
Inventory
90
Sale-to-List
96.6%
New Listings
134
Price/SqFt
$72
Pending Sales
121
Conforming Loan Available
Most homebuyers in 44105 can comfortably use conventional financing. The median home price of $88,737 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
44105's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 44105 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44105 can comfortably use conventional financing. The median home price of $88,737 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 44105 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 44105
To purchase the median home at $88,737 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $830.
Monthly Payment
$830
Income Required
$35,566
Principal & Interest
$547/mo
Down Payment (5%)
$4,437
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 44105.
Estimated Monthly Payment
$699
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