45345 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45345 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$190,000
Days to Sell
19
Homes Sold
15
Inventory
7
Sale-to-List
99.9%
New Listings
20
Price/SqFt
$154
Pending Sales
18
Conforming Loan Available
Most homebuyers in 45345 can comfortably use conventional financing. The median home price of $190,000 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 45345 are moving quickly at 19 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 45345 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45345 can comfortably use conventional financing. The median home price of $190,000 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 45345 are set at the county level.
2026 Loan Limits — Montgomery 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 45345
To purchase the median home at $190,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,606.
Monthly Payment
$1,606
Income Required
$68,817
Principal & Interest
$1,171/mo
Down Payment (5%)
$9,500
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 45345.
Estimated Monthly Payment
$1,326
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