44405 — Mahoning County, Ohio Market Snapshot
Housing market data for zip code 44405 in Mahoning County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$143,750
Days to Sell
77
Homes Sold
22
Inventory
17
Sale-to-List
94.4%
New Listings
17
Price/SqFt
$109
Pending Sales
24
Conforming Loan Available
Most homebuyers in 44405 can comfortably use conventional financing. The median home price of $143,750 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 77 days on average, 44405 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 44405 sells for 5.6% below asking price (94.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44405 can comfortably use conventional financing. The median home price of $143,750 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 44405 are set at the county level.
2026 Loan Limits — Mahoning 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 44405
To purchase the median home at $143,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,251.
Monthly Payment
$1,251
Income Required
$53,630
Principal & Interest
$886/mo
Down Payment (5%)
$7,188
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 44405.
Estimated Monthly Payment
$1,040
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 44405. Tell us what you're looking for.