44609 — Mahoning County, Ohio Market Snapshot
Housing market data for zip code 44609 in Mahoning County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$152,000
Days to Sell
107
Homes Sold
13
Inventory
6
Sale-to-List
93.6%
New Listings
10
Price/SqFt
$146
Pending Sales
9
Conforming Loan Available
Most homebuyers in 44609 can comfortably use conventional financing. The median home price of $152,000 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
With homes sitting for 107 days on average, 44609 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 44609 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44609 can comfortably use conventional financing. The median home price of $152,000 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 44609 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 44609
To purchase the median home at $152,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,315.
Monthly Payment
$1,315
Income Required
$56,339
Principal & Interest
$937/mo
Down Payment (5%)
$7,600
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 44609.
Estimated Monthly Payment
$1,091
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