45039 — Warren County, Ohio Market Snapshot
Housing market data for zip code 45039 in Warren County, Ohio. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Warren County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$240,950
Days to Sell
54
Homes Sold
8
Inventory
12
Conforming Loan Available
Most homebuyers in 45039 can comfortably use conventional financing. The median home price of $240,950 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
45039's market is balanced with homes taking an average of 54 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 45039 can comfortably use conventional financing. The median home price of $240,950 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 45039 are set at the county level.
2026 Loan Limits — Warren 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 45039
To purchase the median home at $240,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,996.
Monthly Payment
$1,996
Income Required
$85,546
Principal & Interest
$1,485/mo
Down Payment (5%)
$12,048
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 45039.
Estimated Monthly Payment
$1,641
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 45039. Tell us what you're looking for.