43031 — Delaware County, Ohio Market Snapshot
Housing market data for zip code 43031 in Delaware County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$430,000
Days to Sell
86
Homes Sold
37
Inventory
49
Sale-to-List
99.6%
New Listings
55
Price/SqFt
$256
Pending Sales
50
Conforming Loan Available
Most homebuyers in 43031 can comfortably use conventional financing. The median home price of $430,000 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
With homes sitting for 86 days on average, 43031 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 43031 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43031 can comfortably use conventional financing. The median home price of $430,000 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 43031 are set at the county level.
2026 Loan Limits — Delaware County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $591,100 |
| 2 Units | $1,066,250 | $756,700 |
| 3 Units | $1,288,800 | $914,700 |
| 4 Units | $1,601,750 | $1,136,750 |
Affordability Snapshot — Zip 43031
To purchase the median home at $430,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,445.
Monthly Payment
$3,445
Income Required
$147,622
Principal & Interest
$2,650/mo
Down Payment (5%)
$21,500
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 43031.
Estimated Monthly Payment
$2,811
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