43968 — Columbiana County, Ohio Market Snapshot
Housing market data for zip code 43968 in Columbiana County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$98,000
Days to Sell
96
Homes Sold
15
Inventory
20
Sale-to-List
89.2%
New Listings
18
Price/SqFt
$86
Pending Sales
19
Conforming Loan Available
Most homebuyers in 43968 can comfortably use conventional financing. The median home price of $98,000 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 96 days on average, 43968 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 43968 sells for 10.8% below asking price (89.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 43968 can comfortably use conventional financing. The median home price of $98,000 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 43968 are set at the county level.
2026 Loan Limits — Columbiana 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 43968
To purchase the median home at $98,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $901.
Monthly Payment
$901
Income Required
$38,607
Principal & Interest
$604/mo
Down Payment (5%)
$4,900
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 43968.
Estimated Monthly Payment
$757
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