44012 — Lorain County, Ohio Market Snapshot
Housing market data for zip code 44012 in Lorain County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
78 sales in 2026 (year to date)
Median Sale Price
$452,450
Days to Sell
24
Homes Sold
78
Inventory
61
Sale-to-List
99.4%
New Listings
121
Price/SqFt
$211
Pending Sales
112
Conforming Loan Available
Most homebuyers in 44012 can comfortably use conventional financing. The median home price of $452,450 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
Homes in 44012 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 44012 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44012 can comfortably use conventional financing. The median home price of $452,450 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 44012 are set at the county level.
2026 Loan Limits — Lorain 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 44012
To purchase the median home at $452,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,617.
Monthly Payment
$3,617
Income Required
$154,994
Principal & Interest
$2,788/mo
Down Payment (5%)
$22,623
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 44012.
Estimated Monthly Payment
$2,950
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