46803 — Allen County, Indiana Market Snapshot
Housing market data for zip code 46803 in Allen County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$114,900
Days to Sell
23
Homes Sold
19
Inventory
12
Sale-to-List
96.4%
New Listings
26
Price/SqFt
$98
Pending Sales
24
Conforming Loan Available
Most homebuyers in 46803 can comfortably use conventional financing. The median home price of $114,900 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 46803 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46803 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46803 can comfortably use conventional financing. The median home price of $114,900 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 46803 are set at the county level.
2026 Loan Limits — Allen 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 46803
To purchase the median home at $114,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,030.
Monthly Payment
$1,030
Income Required
$44,157
Principal & Interest
$708/mo
Down Payment (5%)
$5,745
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 46803.
Estimated Monthly Payment
$861
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