44905 — Richland County, Ohio Market Snapshot
Housing market data for zip code 44905 in Richland County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$182,950
Days to Sell
32
Homes Sold
30
Inventory
15
Sale-to-List
98.1%
New Listings
31
Price/SqFt
$146
Pending Sales
30
Conforming Loan Available
Most homebuyers in 44905 can comfortably use conventional financing. The median home price of $182,950 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
44905's market is balanced with homes taking an average of 32 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 44905 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44905 can comfortably use conventional financing. The median home price of $182,950 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 44905 are set at the county level.
2026 Loan Limits — Richland 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 44905
To purchase the median home at $182,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,552.
Monthly Payment
$1,552
Income Required
$66,502
Principal & Interest
$1,127/mo
Down Payment (5%)
$9,148
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 44905.
Estimated Monthly Payment
$1,282
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 44905. Tell us what you're looking for.