46112 — Boone County, Indiana Market Snapshot
Housing market data for zip code 46112 in Boone County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
206 sales in 2026 (year to date)
Median Sale Price
$370,000
Days to Sell
17
Homes Sold
206
Inventory
85
Sale-to-List
99.0%
New Listings
229
Price/SqFt
$166
Pending Sales
253
Conforming Loan Available
Most homebuyers in 46112 can comfortably use conventional financing. The median home price of $370,000 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
Homes in 46112 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 46112 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46112 can comfortably use conventional financing. The median home price of $370,000 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 46112 are set at the county level.
2026 Loan Limits — Boone 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 46112
To purchase the median home at $370,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,985.
Monthly Payment
$2,985
Income Required
$127,921
Principal & Interest
$2,280/mo
Down Payment (5%)
$18,500
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 46112.
Estimated Monthly Payment
$2,440
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