43938 — Jefferson County, Ohio Market Snapshot
Housing market data for zip code 43938 in Jefferson County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$137,500
Days to Sell
72
Homes Sold
13
Inventory
16
Sale-to-List
94.2%
New Listings
11
Price/SqFt
$130
Pending Sales
17
Conforming Loan Available
Most homebuyers in 43938 can comfortably use conventional financing. The median home price of $137,500 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
With homes sitting for 72 days on average, 43938 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 43938 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 43938 can comfortably use conventional financing. The median home price of $137,500 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 43938 are set at the county level.
2026 Loan Limits — Jefferson 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 43938
To purchase the median home at $137,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,203.
Monthly Payment
$1,203
Income Required
$51,578
Principal & Interest
$847/mo
Down Payment (5%)
$6,875
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 43938.
Estimated Monthly Payment
$1,001
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