45223 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45223 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$290,000
Days to Sell
57
Homes Sold
34
Inventory
42
Sale-to-List
98.8%
New Listings
46
Price/SqFt
$168
Pending Sales
50
Conforming Loan Available
Most homebuyers in 45223 can comfortably use conventional financing. The median home price of $290,000 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
45223's market is balanced with homes taking an average of 57 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 45223 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45223 can comfortably use conventional financing. The median home price of $290,000 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 45223 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 45223
To purchase the median home at $290,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,372.
Monthly Payment
$2,372
Income Required
$101,652
Principal & Interest
$1,787/mo
Down Payment (5%)
$14,500
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 45223.
Estimated Monthly Payment
$1,945
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