44106 — Cuyahoga County, Ohio Market Snapshot
Housing market data for zip code 44106 in Cuyahoga 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
$272,000
Days to Sell
18
Homes Sold
14
Inventory
14
Sale-to-List
91.3%
New Listings
21
Price/SqFt
$100
Pending Sales
17
Conforming Loan Available
Most homebuyers in 44106 can comfortably use conventional financing. The median home price of $272,000 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
Homes in 44106 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 44106 sells for 8.7% below asking price (91.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44106 can comfortably use conventional financing. The median home price of $272,000 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 44106 are set at the county level.
2026 Loan Limits — Cuyahoga 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 44106
To purchase the median home at $272,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,234.
Monthly Payment
$2,234
Income Required
$95,742
Principal & Interest
$1,676/mo
Down Payment (5%)
$13,600
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 44106.
Estimated Monthly Payment
$1,833
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