45895 — Logan County, Ohio Market Snapshot
Housing market data for zip code 45895 in Logan County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$255,500
Days to Sell
46
Homes Sold
40
Inventory
22
Sale-to-List
98.0%
New Listings
42
Price/SqFt
$156
Pending Sales
45
Conforming Loan Available
Most homebuyers in 45895 can comfortably use conventional financing. The median home price of $255,500 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
45895's market is balanced with homes taking an average of 46 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 45895 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45895 can comfortably use conventional financing. The median home price of $255,500 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 45895 are set at the county level.
2026 Loan Limits — Logan 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 45895
To purchase the median home at $255,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,108.
Monthly Payment
$2,108
Income Required
$90,324
Principal & Interest
$1,574/mo
Down Payment (5%)
$12,775
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 45895.
Estimated Monthly Payment
$1,731
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