45619 — Lawrence County, Ohio Market Snapshot
Housing market data for zip code 45619 in Lawrence County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$172,000
Days to Sell
10
Homes Sold
12
Inventory
13
Sale-to-List
95.7%
New Listings
17
Price/SqFt
$122
Pending Sales
17
Conforming Loan Available
Most homebuyers in 45619 can comfortably use conventional financing. The median home price of $172,000 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
45619 is an extremely competitive market with homes selling in just 10 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 45619 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45619 can comfortably use conventional financing. The median home price of $172,000 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 45619 are set at the county level.
2026 Loan Limits — Lawrence 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 45619
To purchase the median home at $172,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,468.
Monthly Payment
$1,468
Income Required
$62,906
Principal & Interest
$1,060/mo
Down Payment (5%)
$8,600
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 45619.
Estimated Monthly Payment
$1,214
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