44504 — Trumbull County, Ohio Market Snapshot
Housing market data for zip code 44504 in Trumbull County, Ohio. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$131,450
Days to Sell
129
Homes Sold
10
Inventory
12
Sale-to-List
94.3%
New Listings
11
Price/SqFt
$69
Pending Sales
17
Conforming Loan Available
Most homebuyers in 44504 can comfortably use conventional financing. The median home price of $131,450 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
With homes sitting for 129 days on average, 44504 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 44504 sells for 5.7% below asking price (94.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 44504 can comfortably use conventional financing. The median home price of $131,450 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 44504 are set at the county level.
2026 Loan Limits — Trumbull 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 44504
To purchase the median home at $131,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,157.
Monthly Payment
$1,157
Income Required
$49,591
Principal & Interest
$810/mo
Down Payment (5%)
$6,573
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 44504.
Estimated Monthly Payment
$964
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