43040 — Union County, Ohio Market Snapshot
Housing market data for zip code 43040 in Union County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$319,000
Days to Sell
62
Homes Sold
12
Inventory
8
Sale-to-List
99.0%
New Listings
13
Price/SqFt
$214
Pending Sales
12
Conforming Loan Available
Most homebuyers in 43040 can comfortably use conventional financing. The median home price of $319,000 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
With homes sitting for 62 days on average, 43040 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 43040 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43040 can comfortably use conventional financing. The median home price of $319,000 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 43040 are set at the county level.
2026 Loan Limits — Union County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $591,100 |
| 2 Units | $1,066,250 | $756,700 |
| 3 Units | $1,288,800 | $914,700 |
| 4 Units | $1,601,750 | $1,136,750 |
Affordability Snapshot — Zip 43040
To purchase the median home at $319,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,594.
Monthly Payment
$2,594
Income Required
$111,175
Principal & Interest
$1,966/mo
Down Payment (5%)
$15,950
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 43040.
Estimated Monthly Payment
$2,124
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 43040. Tell us what you're looking for.