46184 — Johnson County, Indiana Market Snapshot
Housing market data for zip code 46184 in Johnson County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
67 sales in 2026 (year to date)
Median Sale Price
$269,900
Days to Sell
62
Homes Sold
67
Inventory
38
Sale-to-List
98.8%
New Listings
68
Price/SqFt
$163
Pending Sales
73
Conforming Loan Available
Most homebuyers in 46184 can comfortably use conventional financing. The median home price of $269,900 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 62 days on average, 46184 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
Homes are selling very close to asking price in 46184 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46184 can comfortably use conventional financing. The median home price of $269,900 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 46184 are set at the county level.
2026 Loan Limits — Johnson 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 46184
To purchase the median home at $269,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,218.
Monthly Payment
$2,218
Income Required
$95,052
Principal & Interest
$1,663/mo
Down Payment (5%)
$13,495
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 46184.
Estimated Monthly Payment
$1,820
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