45206 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45206 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$278,750
Days to Sell
56
Homes Sold
22
Inventory
25
Sale-to-List
97.4%
New Listings
32
Price/SqFt
$199
Pending Sales
30
Conforming Loan Available
Most homebuyers in 45206 can comfortably use conventional financing. The median home price of $278,750 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
45206's market is balanced with homes taking an average of 56 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 45206 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45206 can comfortably use conventional financing. The median home price of $278,750 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 45206 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 45206
To purchase the median home at $278,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,286.
Monthly Payment
$2,286
Income Required
$97,958
Principal & Interest
$1,718/mo
Down Payment (5%)
$13,938
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 45206.
Estimated Monthly Payment
$1,875
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