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Featured local agent — Fort Loramie, OH
Sarah Mitchell
Compass Real Estate · Fort Loramie, OH
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Fort Loramie, OH Housing Market
The typical home in Fort Loramie, OH is worth $349,896, rose 7.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $250,000 (through May 2026). On the supply and pace-of-sale data we hold, Fort Loramie is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $349,896 home is about $1,868/mo in principal and interest.
Key numbers for Fort Loramie, OH
Typical home value
$349,896
+7.7% in 12 months
Zillow, August 2026
Median sale price
$250,000
Last published period
Redfin, through January 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$88,194
Home costs 4.0x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through January 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Fort Loramie a buyer's or seller's market?
Fort Loramie, OH is a balanced market. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Fort Loramie housing market data show?
Every row below is Redfin's final published month for Fort Loramie, OH. Redfin, through January 2026
| Metric | Value |
|---|---|
| Median sale price | $250,000 |
| Median list price | $250,000 |
| Median price per sq ft | $248/sq ft |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Fort Loramie is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Fort Loramie is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Fort Loramie home prices moved?
Across the 15 months we hold for Fort Loramie, OH, the median sale price rose 63.4%, from $153,000 in April 2021 to $250,000. The live Zillow value series has rose 7.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through January 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Fort Loramie?
Priced off the typical home value of $349,896 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $69,979 | $279,916 | $1,868/mo |
| 5% | $17,495 | $332,401 | $2,218/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,868, that implies roughly $80,054 a year before you add taxes and insurance. The median household in Fort Loramie earns $88,194, about $8,140 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 4.0x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Fort Loramie in the next 12 months?
Tell us your timeline. We send the Fort Loramie market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Fort Loramie?
Zillow does not publish a rent index (ZORI) for Fort Loramie, OH, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Fort Loramie?
Active listings in Fort Loramie, OH went from 3 in April 2021 to 1 in November 2024, a -66.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| April 2021 | 3 | 2 |
| May 2021 | 3 | 1 |
| June 2021 | 1 | not published |
| August 2021 | 4 | 2 |
| September 2021 | 3 | 1 |
| November 2021 | 3 | not published |
| January 2022 | 2 | not published |
| February 2022 | 1 | not published |
| January 2023 | 1 | 1 |
| November 2024 | 1 | not published |
Redfin, through November 2024
How does Fort Loramie compare to Ohio and the U.S.?
Fort Loramie homes sell for $250,000 — 12% below the Ohio median of $282,600. Against the national median of $410,700, Fort Loramie runs 39% lower.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Fort Loramie, OH | $250,000 | not published | not published |
| Ohio statewide | $282,600 | +5.4% | 36 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through January 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Fort Loramie
What buyers should watch
- The gap between 5% and 20% down here is $350 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $349,896 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Fort Loramie added 1 new listings against 1 sales — more clearing than arriving, which is the better window to list.
- Your equity moved +7.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Fort Loramie varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Fort Loramie
Explore homes currently listed for sale in Fort Loramie, Ohio across major real estate platforms.
How much do homes cost in Fort Loramie by property type?
How the Fort Loramie, OH market breaks down across single-family homes, condos and townhouses. Redfin, through January 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $310,000 | $168/sq ft | 1 | 31 days |
| Condo / co-op | $250,000 | $248/sq ft | 1 | not published |
Who lives in Fort Loramie?
American Community Survey estimates for Fort Loramie. U.S. Census ACS, 2023
Population
1,460
Households
539
Median income
$88,194/yr
Median age
33.4 years
Owner-occupied
83.9%
Median home value
$245,000
Median gross rent
$787/mo
Mean commute
17.8 min
83.9% of occupied homes in Fort Loramie are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $245,000 against Zillow's $349,896 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Fort Loramie?
2 schools tracked · 738 students
The largest public schools serving Fort Loramie, OH by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Fort Loramie Elementary School
Grades K-6 · 390 students
Fort Loramie Junior-Senior High School
Grades 7-12 · 348 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Fort Loramie, OH?
Ordered by distance from Fort Loramie, not by size. Compare Fort Loramie side by side with any of them.
Fort Loramie housing market FAQ
Is Fort Loramie a buyer's or seller's market?
Fort Loramie, OH is currently a balanced market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in Fort Loramie?
The typical home in Fort Loramie, OH is worth $349,896 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $250,000, about $248 per square foot.
Is Fort Loramie cheaper than the rest of Ohio?
Fort Loramie's median sale price of $250,000 is 12% lower than the Ohio statewide median of $282,600, and 39% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Fort Loramie?
We do not hold a days-on-market figure for Fort Loramie, OH. Redfin stopped publishing its public market tracker in June 2026, so this metric is frozen wherever it exists and missing where it never landed.
What income do you need to buy a home in Fort Loramie?
At the current 30-year fixed rate of 7.03%, 20% down on a $349,896 home is about $1,868 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $80,054 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $88,194.
Are home prices rising in Fort Loramie?
The typical home value in Fort Loramie, OH rose 7.7% over the last 12 months, from $324,775 to $349,896 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Fort Loramie?
Fort Loramie ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Fort Loramie?
That depends on your timeline, not on a headline. What the data says today: Fort Loramie, OH is a balanced market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $349,896, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.