45050 — Warren County, Ohio Market Snapshot
Housing market data for zip code 45050 in Warren County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
36 sales in 2026 (year to date)
Median Sale Price
$377,500
Days to Sell
67
Homes Sold
36
Inventory
35
Sale-to-List
98.7%
New Listings
47
Price/SqFt
$171
Pending Sales
45
Conforming Loan Available
Most homebuyers in 45050 can comfortably use conventional financing. The median home price of $377,500 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 67 days on average, 45050 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 45050 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45050 can comfortably use conventional financing. The median home price of $377,500 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 45050 are set at the county level.
2026 Loan Limits — Warren 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 45050
To purchase the median home at $377,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,042.
Monthly Payment
$3,042
Income Required
$130,383
Principal & Interest
$2,326/mo
Down Payment (5%)
$18,875
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 45050.
Estimated Monthly Payment
$2,486
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