45169 — Fayette County, Ohio Market Snapshot
Housing market data for zip code 45169 in Fayette 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
$256,250
Days to Sell
91
Homes Sold
14
Inventory
14
Sale-to-List
97.7%
New Listings
17
Price/SqFt
$156
Pending Sales
16
Conforming Loan Available
Most homebuyers in 45169 can comfortably use conventional financing. The median home price of $256,250 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 91 days on average, 45169 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 45169 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45169 can comfortably use conventional financing. The median home price of $256,250 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 45169 are set at the county level.
2026 Loan Limits — Fayette 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 45169
To purchase the median home at $256,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,113.
Monthly Payment
$2,113
Income Required
$90,570
Principal & Interest
$1,579/mo
Down Payment (5%)
$12,813
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 45169.
Estimated Monthly Payment
$1,736
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