43605 — Lucas County, Ohio Market Snapshot
Housing market data for zip code 43605 in Lucas County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
42 sales in 2026 (year to date)
Median Sale Price
$71,500
Days to Sell
49
Homes Sold
42
Inventory
59
Sale-to-List
97.0%
New Listings
59
Price/SqFt
$57
Pending Sales
53
Conforming Loan Available
Most homebuyers in 43605 can comfortably use conventional financing. The median home price of $71,500 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
43605's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 43605 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 43605 can comfortably use conventional financing. The median home price of $71,500 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 43605 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 43605
To purchase the median home at $71,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $698.
Monthly Payment
$698
Income Required
$29,906
Principal & Interest
$441/mo
Down Payment (5%)
$3,575
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 43605.
Estimated Monthly Payment
$593
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