45640 — Jackson County, Ohio Market Snapshot
Housing market data for zip code 45640 in Jackson County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$248,950
Days to Sell
48
Homes Sold
24
Inventory
30
Sale-to-List
99.3%
New Listings
42
Price/SqFt
$159
Pending Sales
38
Conforming Loan Available
Most homebuyers in 45640 can comfortably use conventional financing. The median home price of $248,950 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
45640's market is balanced with homes taking an average of 48 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 45640 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45640 can comfortably use conventional financing. The median home price of $248,950 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 45640 are set at the county level.
2026 Loan Limits — Jackson 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 45640
To purchase the median home at $248,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,057.
Monthly Payment
$2,057
Income Required
$88,173
Principal & Interest
$1,534/mo
Down Payment (5%)
$12,448
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 45640.
Estimated Monthly Payment
$1,691
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45640. Tell us what you're looking for.