44902 — Richland County, Ohio Market Snapshot
Housing market data for zip code 44902 in Richland County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
14 sales in 2026 (year to date)
Median Sale Price
$84,950
Days to Sell
19
Homes Sold
14
Inventory
9
Sale-to-List
99.1%
New Listings
23
Price/SqFt
$64
Pending Sales
16
Conforming Loan Available
Most homebuyers in 44902 can comfortably use conventional financing. The median home price of $84,950 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
Homes in 44902 are moving quickly at 19 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 44902 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 44902 can comfortably use conventional financing. The median home price of $84,950 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 44902 are set at the county level.
2026 Loan Limits — Richland 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 44902
To purchase the median home at $84,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $801.
Monthly Payment
$801
Income Required
$34,322
Principal & Interest
$523/mo
Down Payment (5%)
$4,248
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 44902.
Estimated Monthly Payment
$676
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