45069 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45069 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$373,000
Days to Sell
55
Homes Sold
15
Inventory
18
Sale-to-List
98.5%
New Listings
17
Price/SqFt
$195
Pending Sales
15
Conforming Loan Available
Most homebuyers in 45069 can comfortably use conventional financing. The median home price of $373,000 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
45069's market is balanced with homes taking an average of 55 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 45069 (98.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45069 can comfortably use conventional financing. The median home price of $373,000 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 45069 are set at the county level.
2026 Loan Limits — Hamilton 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 45069
To purchase the median home at $373,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,008.
Monthly Payment
$3,008
Income Required
$128,906
Principal & Interest
$2,298/mo
Down Payment (5%)
$18,650
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 45069.
Estimated Monthly Payment
$2,458
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45069. Tell us what you're looking for.