45415 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45415 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$259,000
Days to Sell
29
Homes Sold
38
Inventory
36
Sale-to-List
99.8%
New Listings
61
Price/SqFt
$129
Pending Sales
45
Conforming Loan Available
Most homebuyers in 45415 can comfortably use conventional financing. The median home price of $259,000 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
Homes in 45415 are moving quickly at 29 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 45415 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45415 can comfortably use conventional financing. The median home price of $259,000 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 45415 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 45415
To purchase the median home at $259,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,134.
Monthly Payment
$2,134
Income Required
$91,473
Principal & Interest
$1,596/mo
Down Payment (5%)
$12,950
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 45415.
Estimated Monthly Payment
$1,753
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45415. Tell us what you're looking for.