45323 — Clark County, Ohio Market Snapshot
Housing market data for zip code 45323 in Clark County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$252,900
Days to Sell
32
Homes Sold
13
Inventory
5
Sale-to-List
99.8%
New Listings
15
Price/SqFt
$160
Pending Sales
17
Conforming Loan Available
Most homebuyers in 45323 can comfortably use conventional financing. The median home price of $252,900 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
45323's market is balanced with homes taking an average of 32 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 45323 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45323 can comfortably use conventional financing. The median home price of $252,900 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 45323 are set at the county level.
2026 Loan Limits — Clark 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 45323
To purchase the median home at $252,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,088.
Monthly Payment
$2,088
Income Required
$89,470
Principal & Interest
$1,558/mo
Down Payment (5%)
$12,645
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 45323.
Estimated Monthly Payment
$1,715
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