46320 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46320 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$183,500
Days to Sell
28
Homes Sold
20
Inventory
17
Sale-to-List
97.1%
New Listings
34
Price/SqFt
$134
Pending Sales
28
Conforming Loan Available
Most homebuyers in 46320 can comfortably use conventional financing. The median home price of $183,500 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 46320 are moving quickly at 28 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46320 sells for 2.9% below asking price (97.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46320 can comfortably use conventional financing. The median home price of $183,500 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 46320 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 46320
To purchase the median home at $183,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,556.
Monthly Payment
$1,556
Income Required
$66,682
Principal & Interest
$1,131/mo
Down Payment (5%)
$9,175
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 46320.
Estimated Monthly Payment
$1,286
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