43449 — Ottawa County, Ohio Market Snapshot
Housing market data for zip code 43449 in Ottawa County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
23 sales in 2026 (year to date)
Median Sale Price
$200,000
Days to Sell
48
Homes Sold
23
Inventory
12
Sale-to-List
97.5%
New Listings
18
Price/SqFt
$157
Pending Sales
18
Conforming Loan Available
Most homebuyers in 43449 can comfortably use conventional financing. The median home price of $200,000 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
43449's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 43449 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 43449 can comfortably use conventional financing. The median home price of $200,000 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 43449 are set at the county level.
2026 Loan Limits — Ottawa 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 43449
To purchase the median home at $200,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,682.
Monthly Payment
$1,682
Income Required
$72,100
Principal & Interest
$1,232/mo
Down Payment (5%)
$10,000
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 43449.
Estimated Monthly Payment
$1,388
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