45405 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45405 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$92,800
Days to Sell
58
Homes Sold
43
Inventory
71
Sale-to-List
94.5%
New Listings
75
Price/SqFt
$75
Pending Sales
64
Conforming Loan Available
Most homebuyers in 45405 can comfortably use conventional financing. The median home price of $92,800 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
45405's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 45405 sells for 5.5% below asking price (94.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45405 can comfortably use conventional financing. The median home price of $92,800 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 45405 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 45405
To purchase the median home at $92,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $861.
Monthly Payment
$861
Income Required
$36,900
Principal & Interest
$572/mo
Down Payment (5%)
$4,640
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 45405.
Estimated Monthly Payment
$724
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