46706 — DeKalb County, Indiana Market Snapshot
Housing market data for zip code 46706 in DeKalb County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$274,250
Days to Sell
21
Homes Sold
66
Inventory
50
Sale-to-List
99.0%
New Listings
113
Price/SqFt
$170
Pending Sales
96
Conforming Loan Available
Most homebuyers in 46706 can comfortably use conventional financing. The median home price of $274,250 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 46706 are moving quickly at 21 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 46706 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46706 can comfortably use conventional financing. The median home price of $274,250 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 46706 are set at the county level.
2026 Loan Limits — DeKalb 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 46706
To purchase the median home at $274,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,251.
Monthly Payment
$2,251
Income Required
$96,481
Principal & Interest
$1,690/mo
Down Payment (5%)
$13,713
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 46706.
Estimated Monthly Payment
$1,847
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