44001 — Lorain County, Ohio Market Snapshot
Housing market data for zip code 44001 in Lorain County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
61 sales in 2026 (year to date)
Median Sale Price
$269,850
Days to Sell
44
Homes Sold
61
Inventory
28
Sale-to-List
99.2%
New Listings
73
Price/SqFt
$175
Pending Sales
80
Conforming Loan Available
Most homebuyers in 44001 can comfortably use conventional financing. The median home price of $269,850 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
44001's market is balanced with homes taking an average of 44 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 44001 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44001 can comfortably use conventional financing. The median home price of $269,850 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 44001 are set at the county level.
2026 Loan Limits — Lorain 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 44001
To purchase the median home at $269,850 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,218.
Monthly Payment
$2,218
Income Required
$95,036
Principal & Interest
$1,663/mo
Down Payment (5%)
$13,493
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 44001.
Estimated Monthly Payment
$1,820
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 44001. Tell us what you're looking for.