44026 — Geauga County, Ohio Market Snapshot
Housing market data for zip code 44026 in Geauga County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$380,000
Days to Sell
25
Homes Sold
23
Inventory
13
Sale-to-List
100.5%
New Listings
42
Price/SqFt
$186
Pending Sales
34
Conforming Loan Available
Most homebuyers in 44026 can comfortably use conventional financing. The median home price of $380,000 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
Homes in 44026 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 44026 (100.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44026 can comfortably use conventional financing. The median home price of $380,000 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 44026 are set at the county level.
2026 Loan Limits — Geauga 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 44026
To purchase the median home at $380,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,061.
Monthly Payment
$3,061
Income Required
$131,205
Principal & Interest
$2,341/mo
Down Payment (5%)
$19,000
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 44026.
Estimated Monthly Payment
$2,502
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