46319 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46319 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$266,250
Days to Sell
23
Homes Sold
46
Inventory
28
Sale-to-List
97.5%
New Listings
57
Price/SqFt
$159
Pending Sales
53
Conforming Loan Available
Most homebuyers in 46319 can comfortably use conventional financing. The median home price of $266,250 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 46319 are moving quickly at 23 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46319 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46319 can comfortably use conventional financing. The median home price of $266,250 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 46319 are set at the county level.
2026 Loan Limits — Lake 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 46319
To purchase the median home at $266,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,190.
Monthly Payment
$2,190
Income Required
$93,854
Principal & Interest
$1,641/mo
Down Payment (5%)
$13,313
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 46319.
Estimated Monthly Payment
$1,798
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