44481 — Trumbull County, Ohio Market Snapshot
Housing market data for zip code 44481 in Trumbull County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$197,000
Days to Sell
24
Homes Sold
20
Inventory
15
Sale-to-List
96.6%
New Listings
30
Price/SqFt
$151
Pending Sales
25
Conforming Loan Available
Most homebuyers in 44481 can comfortably use conventional financing. The median home price of $197,000 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
Homes in 44481 are moving quickly at 24 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 44481 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44481 can comfortably use conventional financing. The median home price of $197,000 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 44481 are set at the county level.
2026 Loan Limits — Trumbull 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 44481
To purchase the median home at $197,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,659.
Monthly Payment
$1,659
Income Required
$71,115
Principal & Interest
$1,214/mo
Down Payment (5%)
$9,850
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 44481.
Estimated Monthly Payment
$1,369
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