45764 — Athens County, Ohio Market Snapshot
Housing market data for zip code 45764 in Athens County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$203,750
Days to Sell
74
Homes Sold
14
Inventory
13
Sale-to-List
93.4%
New Listings
18
Price/SqFt
$152
Pending Sales
20
Conforming Loan Available
Most homebuyers in 45764 can comfortably use conventional financing. The median home price of $203,750 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 74 days on average, 45764 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
The average home in 45764 sells for 6.6% below asking price (93.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45764 can comfortably use conventional financing. The median home price of $203,750 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 45764 are set at the county level.
2026 Loan Limits — Athens 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 45764
To purchase the median home at $203,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,711.
Monthly Payment
$1,711
Income Required
$73,331
Principal & Interest
$1,255/mo
Down Payment (5%)
$10,188
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 45764.
Estimated Monthly Payment
$1,411
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