47274 — Bartholomew County, Indiana Market Snapshot
Housing market data for zip code 47274 in Bartholomew County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
112 sales in 2026 (year to date)
Median Sale Price
$225,000
Days to Sell
36
Homes Sold
112
Inventory
82
Sale-to-List
97.3%
New Listings
135
Price/SqFt
$153
Pending Sales
116
Conforming Loan Available
Most homebuyers in 47274 can comfortably use conventional financing. The median home price of $225,000 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
47274's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 47274 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 47274 can comfortably use conventional financing. The median home price of $225,000 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 47274 are set at the county level.
2026 Loan Limits — Bartholomew 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 47274
To purchase the median home at $225,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,874.
Monthly Payment
$1,874
Income Required
$80,309
Principal & Interest
$1,386/mo
Down Payment (5%)
$11,250
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 47274.
Estimated Monthly Payment
$1,542
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 47274. Tell us what you're looking for.