46032 — Hamilton County, Indiana Market Snapshot
Housing market data for zip code 46032 in Hamilton County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
45 sales in 2026 (year to date)
Median Sale Price
$410,000
Days to Sell
72
Homes Sold
45
Inventory
36
Sale-to-List
97.3%
New Listings
51
Price/SqFt
$236
Pending Sales
44
Conforming Loan Available
Most homebuyers in 46032 can comfortably use conventional financing. The median home price of $410,000 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
With homes sitting for 72 days on average, 46032 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 46032 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 46032 can comfortably use conventional financing. The median home price of $410,000 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 46032 are set at the county level.
2026 Loan Limits — Hamilton 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 46032
To purchase the median home at $410,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,291.
Monthly Payment
$3,291
Income Required
$141,055
Principal & Interest
$2,526/mo
Down Payment (5%)
$20,500
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 46032.
Estimated Monthly Payment
$2,687
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