45414 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45414 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
62 sales in 2026 (year to date)
Median Sale Price
$245,950
Days to Sell
42
Homes Sold
62
Inventory
45
Sale-to-List
98.3%
New Listings
89
Price/SqFt
$137
Pending Sales
87
Conforming Loan Available
Most homebuyers in 45414 can comfortably use conventional financing. The median home price of $245,950 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
45414's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 45414 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45414 can comfortably use conventional financing. The median home price of $245,950 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 45414 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 45414
To purchase the median home at $245,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,034.
Monthly Payment
$2,034
Income Required
$87,188
Principal & Interest
$1,515/mo
Down Payment (5%)
$12,298
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 45414.
Estimated Monthly Payment
$1,672
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