ZIP 45859 · McGuffey, OH · 378 residents · September 2026
McGuffey 45859: sellers hold the leverage.
Sellers hold the leverage. Listings move fast and often over asking. Typical home value $98K, +1.1% over 12 months; listings take 9 days to sell against 60 in the median U.S. ZIP.
Market balanceSeptember 2026
In Mar 2026: +29
Higher than 19% of scored ZIPs
Five parts, weighted. How the score works →
The reading
Where the balance sits this month and what moved it.
Month by month, since the gauge began
- Mar 2026+29
- Apr 2026−5
- May 2026+5
- Jun 2026+10
- Jul 2026+25
- Aug 2026—no reading on record
- Sep 2026+44
Each block is one month’s reading, −100 (buyers) to +100 (sellers). The series starts in March 2026. A dashed block has no reading on record. How the balance is measured →
What is pulling the needle
- 9 days on marketfaster than the U.S. median ZIP's 60 days
- 0% of listings cut pricefewer than the U.S. median ZIP's 20%
- Sale-to-list —No sale-to-list figure for this ZIP
- 1 active listings0% vs a year ago
Blue pulls toward buyers, orange toward sellers. Realtor.com, September 2026; Redfin.
Accelerating: prices +1.1% over the trailing year, with the market leaning toward sellers.
Asking price vs sale price
Zillow's figure is a smoothed index of typical value, not a list price; Redfin's are closed sales for the month shown. A dash means Redfin has no closed-sale figure for the latest month.
Last 90 days
How the typical value and the listings moved over the last three months.
Prices
Typical home value since 2019, and how far it moved over each window.
Zillow ZHVI peaked at $103,659 in January 2025; the latest value is −5.4% from that peak, 19 months on. The sharpest 12-month move was −5.5%, ending September 2023.
Zillow's typical home value here, $98K in August 2026, is 66% below the median U.S. ZIP's $289K. Over the 12 months to August 2026, Zillow's typical home value moved +1.1% here and +2.8% in the median U.S. ZIP.
Price tiers and bedrooms
Zillow typical values by price tier, home type and bedrooms, August 2026.
How it ranks
Appreciation by window
| Window | Change | Per year | U.S. rank | Ohio rank |
|---|---|---|---|---|
| 1 year | +1.1% | +1.1%/yr | Higher than 39% nationally | Higher than 18% in Ohio |
| 3 years | +10.4% | +3.3%/yr | Higher than 64% nationally | Higher than 31% in Ohio |
| 5 years | +19.0% | +3.5%/yr | Higher than 38% nationally | Higher than 11% in Ohio |
| Since 2019 | +57.7% | +6.3%/yr | — | — |
Zillow ZHVI · rank among scored ZIPs
Forecast
Where the typical value is likely to be over the next 3 to 12 months, with the range the model has earned, and up to 36 months with Pro.
Last three years, then the forecast band
HavenScore Forecast Model (v1) · run October 1, 2026A forecast is a range, not a promise; the confidence word says how wide it is. How the forecast works →
Of the 3-month ranges we published since December 2025, 54% contained the actual price.
Payment
What a typical home here costs each month, against the typical income.
Monthly payment
$80519% of the median household income here ($49,792)Inside the 28% line lenders use for housing costs. Rate is the Freddie Mac average for September 2026; tax is the state's statutory rate.
Insurance is assumed at 0.5% of the home's value a year; Treasury's Federal Insurance Office did not publish a premium for this ZIP.
Buying costs $215 a month less than the HUD fair market rent for a 2-bedroom here (FY 2026), before tax effects and maintenance.
Price-to-income ladder
Median home value ÷ median household income · Zillow ZHVI, Census ACS · under 4× has historically been comfortable
The place
What it costs to own here beyond the price, and what the neighborhood is like.
Typical homes cost 2.0× the median household income here, against 3.4× in the median OH ZIP and 4.3× in the median U.S. ZIP (Zillow, August 2026; Census ACS 2023). Median household income is $49,792 here, against $71,388 in the median U.S. ZIP (Census ACS 2023).
Hazard ledger
FEMA National Risk Index, December 2025 release, refreshed annually · tract-level rolled up to ZIP · not a property-level rating · no future-year projection · the tick is the median of 8 scored ZIPs in Hardin County.
Housing cost burden
Census ACS 2023 five-year estimates · the tick is the U.S. median ZIP.
Behind the score
The inputs behind each of the five parts, against the U.S. median ZIP.
Livability
12Seller's report
A two-page brief for selling here: the market balance, recent signals and an illustrative net-proceeds estimate.
Nearby
8 scored Ohio ZIPs within 12 miles; the ones below score within ten points and cost less.
Dots are Ohio ZIP centers colored by market balance; the ring is 12 miles.
No cheaper ZIP within ten points nearby.
Sources and freshness
Every figure on this page, where it came from and when.
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