45318 — Miami County, Ohio Market Snapshot
Housing market data for zip code 45318 in Miami County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$173,300
Days to Sell
23
Homes Sold
16
Inventory
5
Sale-to-List
97.5%
New Listings
12
Price/SqFt
$128
Pending Sales
15
Conforming Loan Available
Most homebuyers in 45318 can comfortably use conventional financing. The median home price of $173,300 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
Homes in 45318 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 45318 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 45318 can comfortably use conventional financing. The median home price of $173,300 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 45318 are set at the county level.
2026 Loan Limits — Miami 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 45318
To purchase the median home at $173,300 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,478.
Monthly Payment
$1,478
Income Required
$63,333
Principal & Interest
$1,068/mo
Down Payment (5%)
$8,665
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 45318.
Estimated Monthly Payment
$1,223
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