44857 — Erie County, Ohio Market Snapshot
Housing market data for zip code 44857 in Erie 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
$240,450
Days to Sell
48
Homes Sold
44
Inventory
36
Sale-to-List
99.5%
New Listings
48
Price/SqFt
$161
Pending Sales
48
Conforming Loan Available
Most homebuyers in 44857 can comfortably use conventional financing. The median home price of $240,450 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
44857's market is balanced with homes taking an average of 48 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 44857 (99.5% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44857 can comfortably use conventional financing. The median home price of $240,450 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 44857 are set at the county level.
2026 Loan Limits — Erie 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 44857
To purchase the median home at $240,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,992.
Monthly Payment
$1,992
Income Required
$85,382
Principal & Interest
$1,482/mo
Down Payment (5%)
$12,023
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 44857.
Estimated Monthly Payment
$1,638
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