43528 — Lucas County, Ohio Market Snapshot
Housing market data for zip code 43528 in Lucas County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$345,250
Days to Sell
46
Homes Sold
41
Inventory
54
Sale-to-List
100.0%
New Listings
65
Price/SqFt
$157
Pending Sales
49
Conforming Loan Available
Most homebuyers in 43528 can comfortably use conventional financing. The median home price of $345,250 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
43528's market is balanced with homes taking an average of 46 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 43528 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43528 can comfortably use conventional financing. The median home price of $345,250 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 43528 are set at the county level.
2026 Loan Limits — Lucas 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 43528
To purchase the median home at $345,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,795.
Monthly Payment
$2,795
Income Required
$119,794
Principal & Interest
$2,127/mo
Down Payment (5%)
$17,263
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 43528.
Estimated Monthly Payment
$2,287
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 43528. Tell us what you're looking for.