45840 — Hancock County, Ohio Market Snapshot
Housing market data for zip code 45840 in Hancock County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
163 sales in 2026 (year to date)
Median Sale Price
$250,000
Days to Sell
45
Homes Sold
163
Inventory
138
Sale-to-List
98.6%
New Listings
203
Price/SqFt
$156
Pending Sales
209
Conforming Loan Available
Most homebuyers in 45840 can comfortably use conventional financing. The median home price of $250,000 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
45840's market is balanced with homes taking an average of 45 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 45840 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45840 can comfortably use conventional financing. The median home price of $250,000 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 45840 are set at the county level.
2026 Loan Limits — Hancock 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 45840
To purchase the median home at $250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,065.
Monthly Payment
$2,065
Income Required
$88,518
Principal & Interest
$1,540/mo
Down Payment (5%)
$12,500
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 45840.
Estimated Monthly Payment
$1,697
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