45015 — Butler County, Ohio Market Snapshot
Housing market data for zip code 45015 in Butler County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$196,250
Days to Sell
34
Homes Sold
44
Inventory
22
Sale-to-List
99.4%
New Listings
41
Price/SqFt
$164
Pending Sales
46
Conforming Loan Available
Most homebuyers in 45015 can comfortably use conventional financing. The median home price of $196,250 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
45015's market is balanced with homes taking an average of 34 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 45015 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45015 can comfortably use conventional financing. The median home price of $196,250 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 45015 are set at the county level.
2026 Loan Limits — Butler 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 45015
To purchase the median home at $196,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,654.
Monthly Payment
$1,654
Income Required
$70,869
Principal & Interest
$1,209/mo
Down Payment (5%)
$9,813
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 45015.
Estimated Monthly Payment
$1,365
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