43452 — Ottawa County, Ohio Market Snapshot
Housing market data for zip code 43452 in Ottawa County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
40 sales in 2026 (year to date)
Median Sale Price
$317,950
Days to Sell
46
Homes Sold
40
Inventory
65
Sale-to-List
98.1%
New Listings
67
Price/SqFt
$205
Pending Sales
49
Conforming Loan Available
Most homebuyers in 43452 can comfortably use conventional financing. The median home price of $317,950 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
43452's market is balanced with homes taking an average of 46 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 43452 (98.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 43452 can comfortably use conventional financing. The median home price of $317,950 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 43452 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 43452
To purchase the median home at $317,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,586.
Monthly Payment
$2,586
Income Required
$110,830
Principal & Interest
$1,959/mo
Down Payment (5%)
$15,898
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 43452.
Estimated Monthly Payment
$2,118
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