46845 — Allen County, Indiana Market Snapshot
Housing market data for zip code 46845 in Allen County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$424,800
Days to Sell
34
Homes Sold
12
Inventory
3
Sale-to-List
98.2%
New Listings
11
Price/SqFt
$199
Pending Sales
13
Conforming Loan Available
Most homebuyers in 46845 can comfortably use conventional financing. The median home price of $424,800 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
46845's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 46845 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46845 can comfortably use conventional financing. The median home price of $424,800 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 46845 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 46845
To purchase the median home at $424,800 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,405.
Monthly Payment
$3,405
Income Required
$145,915
Principal & Interest
$2,617/mo
Down Payment (5%)
$21,240
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 46845.
Estimated Monthly Payment
$2,779
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