45213 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45213 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$346,500
Days to Sell
37
Homes Sold
39
Inventory
34
Sale-to-List
102.0%
New Listings
51
Price/SqFt
$201
Pending Sales
47
Conforming Loan Available
Most homebuyers in 45213 can comfortably use conventional financing. The median home price of $346,500 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
45213's market is balanced with homes taking an average of 37 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 45213 (102.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45213 can comfortably use conventional financing. The median home price of $346,500 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 45213 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 45213
To purchase the median home at $346,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,805.
Monthly Payment
$2,805
Income Required
$120,204
Principal & Interest
$2,135/mo
Down Payment (5%)
$17,325
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 45213.
Estimated Monthly Payment
$2,294
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