43123 — Franklin County, Ohio Market Snapshot
Housing market data for zip code 43123 in Franklin 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
$346,450
Days to Sell
51
Homes Sold
44
Inventory
35
Sale-to-List
98.3%
New Listings
40
Price/SqFt
$190
Pending Sales
42
Conforming Loan Available
Most homebuyers in 43123 can comfortably use conventional financing. The median home price of $346,450 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
43123's market is balanced with homes taking an average of 51 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 43123 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43123 can comfortably use conventional financing. The median home price of $346,450 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 43123 are set at the county level.
2026 Loan Limits — Franklin 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 43123
To purchase the median home at $346,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,804.
Monthly Payment
$2,804
Income Required
$120,188
Principal & Interest
$2,135/mo
Down Payment (5%)
$17,323
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 43123.
Estimated Monthly Payment
$2,294
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