45404 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45404 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$140,000
Days to Sell
55
Homes Sold
21
Inventory
38
Sale-to-List
98.4%
New Listings
41
Price/SqFt
$107
Pending Sales
32
Conforming Loan Available
Most homebuyers in 45404 can comfortably use conventional financing. The median home price of $140,000 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
45404's market is balanced with homes taking an average of 55 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 45404 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45404 can comfortably use conventional financing. The median home price of $140,000 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 45404 are set at the county level.
2026 Loan Limits — Montgomery 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 45404
To purchase the median home at $140,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,223.
Monthly Payment
$1,223
Income Required
$52,399
Principal & Interest
$863/mo
Down Payment (5%)
$7,000
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 45404.
Estimated Monthly Payment
$1,016
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