46528 — Elkhart County, Indiana Market Snapshot
Housing market data for zip code 46528 in Elkhart County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
43 sales in 2026 (year to date)
Median Sale Price
$320,000
Days to Sell
22
Homes Sold
43
Inventory
16
Sale-to-List
99.7%
New Listings
54
Price/SqFt
$142
Pending Sales
53
Conforming Loan Available
Most homebuyers in 46528 can comfortably use conventional financing. The median home price of $320,000 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 46528 are moving quickly at 22 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 46528 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46528 can comfortably use conventional financing. The median home price of $320,000 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 46528 are set at the county level.
2026 Loan Limits — Elkhart 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 46528
To purchase the median home at $320,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,602.
Monthly Payment
$2,602
Income Required
$111,503
Principal & Interest
$1,972/mo
Down Payment (5%)
$16,000
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 46528.
Estimated Monthly Payment
$2,130
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46528. Tell us what you're looking for.