45305 — Greene County, Ohio Market Snapshot
Housing market data for zip code 45305 in Greene County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$340,834
Days to Sell
22
Homes Sold
41
Inventory
33
Sale-to-List
101.0%
New Listings
56
Price/SqFt
$185
Pending Sales
54
Conforming Loan Available
Most homebuyers in 45305 can comfortably use conventional financing. The median home price of $340,834 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 45305 are moving quickly at 22 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 45305 (101.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45305 can comfortably use conventional financing. The median home price of $340,834 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 45305 are set at the county level.
2026 Loan Limits — Greene 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 45305
To purchase the median home at $340,834 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,761.
Monthly Payment
$2,761
Income Required
$118,344
Principal & Interest
$2,100/mo
Down Payment (5%)
$17,042
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 45305.
Estimated Monthly Payment
$2,259
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