45385 — Greene County, Ohio Market Snapshot
Housing market data for zip code 45385 in Greene County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
145 sales in 2026 (year to date)
Median Sale Price
$281,000
Days to Sell
29
Homes Sold
145
Inventory
85
Sale-to-List
98.4%
New Listings
207
Price/SqFt
$164
Pending Sales
190
Conforming Loan Available
Most homebuyers in 45385 can comfortably use conventional financing. The median home price of $281,000 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
Homes in 45385 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 45385 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45385 can comfortably use conventional financing. The median home price of $281,000 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 45385 are set at the county level.
2026 Loan Limits — Greene 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 45385
To purchase the median home at $281,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,303.
Monthly Payment
$2,303
Income Required
$98,697
Principal & Interest
$1,731/mo
Down Payment (5%)
$14,050
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 45385.
Estimated Monthly Payment
$1,889
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