45209 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45209 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$421,550
Days to Sell
44
Homes Sold
64
Inventory
46
Sale-to-List
100.4%
New Listings
60
Price/SqFt
$286
Pending Sales
68
Conforming Loan Available
Most homebuyers in 45209 can comfortably use conventional financing. The median home price of $421,550 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
45209's market is balanced with homes taking an average of 44 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 45209 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45209 can comfortably use conventional financing. The median home price of $421,550 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 45209 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 45209
To purchase the median home at $421,550 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,380.
Monthly Payment
$3,380
Income Required
$144,848
Principal & Interest
$2,597/mo
Down Payment (5%)
$21,078
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 45209.
Estimated Monthly Payment
$2,759
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