45308 — Miami County, Ohio Market Snapshot
Housing market data for zip code 45308 in Miami County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$160,000
Days to Sell
17
Homes Sold
11
Inventory
7
Sale-to-List
97.6%
New Listings
12
Price/SqFt
$124
Pending Sales
12
Conforming Loan Available
Most homebuyers in 45308 can comfortably use conventional financing. The median home price of $160,000 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
Homes in 45308 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 45308 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45308 can comfortably use conventional financing. The median home price of $160,000 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 45308 are set at the county level.
2026 Loan Limits — Miami 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 45308
To purchase the median home at $160,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,376.
Monthly Payment
$1,376
Income Required
$58,966
Principal & Interest
$986/mo
Down Payment (5%)
$8,000
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 45308.
Estimated Monthly Payment
$1,140
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