45805 — Allen County, Ohio Market Snapshot
Housing market data for zip code 45805 in Allen County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$71,500
Days to Sell
28
Homes Sold
10
Inventory
11
Sale-to-List
93.3%
New Listings
10
Price/SqFt
$106
Pending Sales
5
Conforming Loan Available
Most homebuyers in 45805 can comfortably use conventional financing. The median home price of $71,500 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
Homes in 45805 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 45805 sells for 6.7% below asking price (93.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45805 can comfortably use conventional financing. The median home price of $71,500 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 45805 are set at the county level.
2026 Loan Limits — Allen 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 45805
To purchase the median home at $71,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $698.
Monthly Payment
$698
Income Required
$29,906
Principal & Interest
$441/mo
Down Payment (5%)
$3,575
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 45805.
Estimated Monthly Payment
$593
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