46738 — DeKalb County, Indiana Market Snapshot
Housing market data for zip code 46738 in DeKalb County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$223,500
Days to Sell
25
Homes Sold
32
Inventory
7
Sale-to-List
99.6%
New Listings
25
Price/SqFt
$148
Pending Sales
34
Conforming Loan Available
Most homebuyers in 46738 can comfortably use conventional financing. The median home price of $223,500 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 46738 are moving quickly at 25 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 46738 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46738 can comfortably use conventional financing. The median home price of $223,500 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 46738 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 46738
To purchase the median home at $223,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,862.
Monthly Payment
$1,862
Income Required
$79,817
Principal & Interest
$1,377/mo
Down Payment (5%)
$11,175
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 46738.
Estimated Monthly Payment
$1,533
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