44060 — Geauga County, Ohio Market Snapshot
Housing market data for zip code 44060 in Geauga County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
48 sales in 2026 (year to date)
Median Sale Price
$196,500
Days to Sell
30
Homes Sold
48
Inventory
30
Sale-to-List
99.4%
New Listings
62
Price/SqFt
$152
Pending Sales
58
Conforming Loan Available
Most homebuyers in 44060 can comfortably use conventional financing. The median home price of $196,500 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
44060's market is balanced with homes taking an average of 30 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 44060 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44060 can comfortably use conventional financing. The median home price of $196,500 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 44060 are set at the county level.
2026 Loan Limits — Geauga 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 44060
To purchase the median home at $196,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,656.
Monthly Payment
$1,656
Income Required
$70,951
Principal & Interest
$1,211/mo
Down Payment (5%)
$9,825
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 44060.
Estimated Monthly Payment
$1,366
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