45118 — Highland County, Ohio Market Snapshot
Housing market data for zip code 45118 in Highland County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$350,250
Days to Sell
44
Homes Sold
11
Inventory
21
Sale-to-List
99.5%
New Listings
28
Price/SqFt
$179
Pending Sales
20
Conforming Loan Available
Most homebuyers in 45118 can comfortably use conventional financing. The median home price of $350,250 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
45118's market is balanced with homes taking an average of 44 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 45118 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45118 can comfortably use conventional financing. The median home price of $350,250 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 45118 are set at the county level.
2026 Loan Limits — Highland 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 45118
To purchase the median home at $350,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,834.
Monthly Payment
$2,834
Income Required
$121,436
Principal & Interest
$2,158/mo
Down Payment (5%)
$17,513
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 45118.
Estimated Monthly Payment
$2,318
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45118. Tell us what you're looking for.