45620 — Gallia County, Ohio Market Snapshot
Housing market data for zip code 45620 in Gallia County, Ohio. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 3 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Gallia County county page for broader data.
Market Sales Data
3 sales in 2025
Median Sale Price
$165,000
Days to Sell
87
Homes Sold
3
Inventory
N/A
Conforming Loan Available
Most homebuyers in 45620 can comfortably use conventional financing. The median home price of $165,000 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 87 days on average, 45620 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 45620 can comfortably use conventional financing. The median home price of $165,000 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 45620 are set at the county level.
2026 Loan Limits — Gallia 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 45620
To purchase the median home at $165,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,414.
Monthly Payment
$1,414
Income Required
$60,608
Principal & Interest
$1,017/mo
Down Payment (5%)
$8,250
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 45620.
Estimated Monthly Payment
$1,171
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