44120 — Cuyahoga County, Ohio Market Snapshot
Housing market data for zip code 44120 in Cuyahoga County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
122 sales in 2026 (year to date)
Median Sale Price
$153,875
Days to Sell
32
Homes Sold
122
Inventory
140
Sale-to-List
97.1%
New Listings
208
Price/SqFt
$83
Pending Sales
173
Conforming Loan Available
Most homebuyers in 44120 can comfortably use conventional financing. The median home price of $153,875 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
44120'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
The average home in 44120 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44120 can comfortably use conventional financing. The median home price of $153,875 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 44120 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 44120
To purchase the median home at $153,875 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,329.
Monthly Payment
$1,329
Income Required
$56,955
Principal & Interest
$948/mo
Down Payment (5%)
$7,694
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 44120.
Estimated Monthly Payment
$1,102
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 44120. Tell us what you're looking for.