45631 — Gallia County, Ohio Market Snapshot
Housing market data for zip code 45631 in Gallia County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
25 sales in 2026 (year to date)
Median Sale Price
$183,900
Days to Sell
66
Homes Sold
25
Inventory
32
Sale-to-List
95.5%
New Listings
30
Price/SqFt
$129
Pending Sales
34
Conforming Loan Available
Most homebuyers in 45631 can comfortably use conventional financing. The median home price of $183,900 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 66 days on average, 45631 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
The average home in 45631 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45631 can comfortably use conventional financing. The median home price of $183,900 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 45631 are set at the county level.
2026 Loan Limits — Gallia 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 45631
To purchase the median home at $183,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,559.
Monthly Payment
$1,559
Income Required
$66,813
Principal & Interest
$1,133/mo
Down Payment (5%)
$9,195
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 45631.
Estimated Monthly Payment
$1,288
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