43512 — Paulding County, Ohio Market Snapshot
Housing market data for zip code 43512 in Paulding County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
73 sales in 2026 (year to date)
Median Sale Price
$186,000
Days to Sell
56
Homes Sold
73
Inventory
53
Sale-to-List
100.8%
New Listings
76
Price/SqFt
$134
Pending Sales
81
Conforming Loan Available
Most homebuyers in 43512 can comfortably use conventional financing. The median home price of $186,000 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
43512's market is balanced with homes taking an average of 56 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 43512 (100.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43512 can comfortably use conventional financing. The median home price of $186,000 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 43512 are set at the county level.
2026 Loan Limits — Paulding 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 43512
To purchase the median home at $186,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,575.
Monthly Payment
$1,575
Income Required
$67,503
Principal & Interest
$1,146/mo
Down Payment (5%)
$9,300
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 43512.
Estimated Monthly Payment
$1,301
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