45238 — Hamilton County, Ohio Market Snapshot
Housing market data for zip code 45238 in Hamilton County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
99 sales in 2026 (year to date)
Median Sale Price
$243,000
Days to Sell
40
Homes Sold
99
Inventory
108
Sale-to-List
99.9%
New Listings
154
Price/SqFt
$149
Pending Sales
140
Conforming Loan Available
Most homebuyers in 45238 can comfortably use conventional financing. The median home price of $243,000 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
45238's market is balanced with homes taking an average of 40 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 45238 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45238 can comfortably use conventional financing. The median home price of $243,000 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 45238 are set at the county level.
2026 Loan Limits — Hamilton 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 45238
To purchase the median home at $243,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,012.
Monthly Payment
$2,012
Income Required
$86,220
Principal & Interest
$1,497/mo
Down Payment (5%)
$12,150
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 45238.
Estimated Monthly Payment
$1,654
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