45371 — Miami County, Ohio Market Snapshot
Housing market data for zip code 45371 in Miami County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
96 sales in 2026 (year to date)
Median Sale Price
$352,500
Days to Sell
30
Homes Sold
96
Inventory
83
Sale-to-List
98.7%
New Listings
117
Price/SqFt
$157
Pending Sales
98
Conforming Loan Available
Most homebuyers in 45371 can comfortably use conventional financing. The median home price of $352,500 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
45371's market is balanced with homes taking an average of 30 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 45371 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45371 can comfortably use conventional financing. The median home price of $352,500 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 45371 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 45371
To purchase the median home at $352,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,851.
Monthly Payment
$2,851
Income Required
$122,175
Principal & Interest
$2,172/mo
Down Payment (5%)
$17,625
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 45371.
Estimated Monthly Payment
$2,332
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