45817 — Allen County, Ohio Market Snapshot
Housing market data for zip code 45817 in Allen County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$262,497
Days to Sell
41
Homes Sold
16
Inventory
12
Sale-to-List
99.1%
New Listings
22
Price/SqFt
$177
Pending Sales
17
Conforming Loan Available
Most homebuyers in 45817 can comfortably use conventional financing. The median home price of $262,497 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
45817's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 45817 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45817 can comfortably use conventional financing. The median home price of $262,497 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 45817 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 45817
To purchase the median home at $262,497 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,161.
Monthly Payment
$2,161
Income Required
$92,621
Principal & Interest
$1,617/mo
Down Payment (5%)
$13,125
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 45817.
Estimated Monthly Payment
$1,775
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