43610 — Lucas County, Ohio Market Snapshot
Housing market data for zip code 43610 in Lucas County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$58,000
Days to Sell
72
Homes Sold
12
Inventory
23
Sale-to-List
95.5%
New Listings
27
Price/SqFt
$39
Pending Sales
21
Conforming Loan Available
Most homebuyers in 43610 can comfortably use conventional financing. The median home price of $58,000 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, 43610 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 43610 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 43610 can comfortably use conventional financing. The median home price of $58,000 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 43610 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 43610
To purchase the median home at $58,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $594.
Monthly Payment
$594
Income Required
$25,473
Principal & Interest
$357/mo
Down Payment (5%)
$2,900
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 43610.
Estimated Monthly Payment
$509
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