45458 — Montgomery County, Ohio Market Snapshot
Housing market data for zip code 45458 in Montgomery County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
182 sales in 2026 (year to date)
Median Sale Price
$440,000
Days to Sell
34
Homes Sold
182
Inventory
115
Sale-to-List
99.2%
New Listings
231
Price/SqFt
$164
Pending Sales
214
Conforming Loan Available
Most homebuyers in 45458 can comfortably use conventional financing. The median home price of $440,000 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
45458's market is balanced with homes taking an average of 34 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 45458 (99.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 45458 can comfortably use conventional financing. The median home price of $440,000 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 45458 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 45458
To purchase the median home at $440,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,906
Principal & Interest
$2,711/mo
Down Payment (5%)
$22,000
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 45458.
Estimated Monthly Payment
$2,873
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