45237 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45237 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$219,750
Days to Sell
56
Homes Sold
44
Inventory
50
Sale-to-List
98.8%
New Listings
54
Price/SqFt
$150
Pending Sales
51
Conforming Loan Available
Most homebuyers in 45237 can comfortably use conventional financing. The median home price of $219,750 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
45237'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
Homes are selling very close to asking price in 45237 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45237 can comfortably use conventional financing. The median home price of $219,750 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 45237 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 45237
To purchase the median home at $219,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,834.
Monthly Payment
$1,834
Income Required
$78,585
Principal & Interest
$1,354/mo
Down Payment (5%)
$10,988
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 45237.
Estimated Monthly Payment
$1,510
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