46962 — Kosciusko County, Indiana Market Snapshot
Housing market data for zip code 46962 in Kosciusko County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
21 sales in 2026 (year to date)
Median Sale Price
$165,000
Days to Sell
27
Homes Sold
21
Inventory
25
Sale-to-List
96.1%
New Listings
42
Price/SqFt
$103
Pending Sales
35
Conforming Loan Available
Most homebuyers in 46962 can comfortably use conventional financing. The median home price of $165,000 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 46962 are moving quickly at 27 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46962 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46962 can comfortably use conventional financing. The median home price of $165,000 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 46962 are set at the county level.
2026 Loan Limits — Kosciusko 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 46962
To purchase the median home at $165,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,414.
Monthly Payment
$1,414
Income Required
$60,608
Principal & Interest
$1,017/mo
Down Payment (5%)
$8,250
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 46962.
Estimated Monthly Payment
$1,171
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