45865 — Shelby County, Ohio Market Snapshot
Housing market data for zip code 45865 in Shelby County, Ohio. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Shelby County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$284,000
Days to Sell
4
Homes Sold
2
Inventory
2
Conforming Loan Available
Most homebuyers in 45865 can comfortably use conventional financing. The median home price of $284,000 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
45865 is an extremely competitive market with homes selling in just 4 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 45865 can comfortably use conventional financing. The median home price of $284,000 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 45865 are set at the county level.
2026 Loan Limits — Shelby 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 45865
To purchase the median home at $284,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,326.
Monthly Payment
$2,326
Income Required
$99,682
Principal & Interest
$1,750/mo
Down Payment (5%)
$14,200
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 45865.
Estimated Monthly Payment
$1,908
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45865. Tell us what you're looking for.