45231 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45231 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
110 sales in 2026 (year to date)
Median Sale Price
$229,200
Days to Sell
43
Homes Sold
110
Inventory
136
Sale-to-List
100.2%
New Listings
173
Price/SqFt
$160
Pending Sales
170
Conforming Loan Available
Most homebuyers in 45231 can comfortably use conventional financing. The median home price of $229,200 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
45231's market is balanced with homes taking an average of 43 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 45231 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45231 can comfortably use conventional financing. The median home price of $229,200 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 45231 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 45231
To purchase the median home at $229,200 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,906.
Monthly Payment
$1,906
Income Required
$81,688
Principal & Interest
$1,412/mo
Down Payment (5%)
$11,460
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 45231.
Estimated Monthly Payment
$1,568
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45231. Tell us what you're looking for.