43046 — Fairfield County, Ohio Market Snapshot
Housing market data for zip code 43046 in Fairfield County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$413,500
Days to Sell
219
Homes Sold
10
Inventory
24
Sale-to-List
95.9%
New Listings
20
Price/SqFt
$224
Pending Sales
14
Conforming Loan Available
Most homebuyers in 43046 can comfortably use conventional financing. The median home price of $413,500 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 219 days on average, 43046 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 43046 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 43046 can comfortably use conventional financing. The median home price of $413,500 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 43046 are set at the county level.
2026 Loan Limits — Fairfield County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $591,100 |
| 2 Units | $1,066,250 | $756,700 |
| 3 Units | $1,288,800 | $914,700 |
| 4 Units | $1,601,750 | $1,136,750 |
Affordability Snapshot — Zip 43046
To purchase the median home at $413,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,318.
Monthly Payment
$3,318
Income Required
$142,205
Principal & Interest
$2,548/mo
Down Payment (5%)
$20,675
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 43046.
Estimated Monthly Payment
$2,709
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