44842 — Holmes County, Ohio Market Snapshot
Housing market data for zip code 44842 in Holmes County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$213,250
Days to Sell
87
Homes Sold
14
Inventory
9
Sale-to-List
95.6%
New Listings
11
Price/SqFt
$164
Pending Sales
11
Conforming Loan Available
Most homebuyers in 44842 can comfortably use conventional financing. The median home price of $213,250 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, 44842 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 44842 sells for 4.4% below asking price (95.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44842 can comfortably use conventional financing. The median home price of $213,250 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 44842 are set at the county level.
2026 Loan Limits — Holmes 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 44842
To purchase the median home at $213,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,784.
Monthly Payment
$1,784
Income Required
$76,451
Principal & Interest
$1,314/mo
Down Payment (5%)
$10,663
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 44842.
Estimated Monthly Payment
$1,470
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