46327 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46327 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$174,900
Days to Sell
30
Homes Sold
15
Inventory
8
Sale-to-List
96.2%
New Listings
17
Price/SqFt
$128
Pending Sales
18
Conforming Loan Available
Most homebuyers in 46327 can comfortably use conventional financing. The median home price of $174,900 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
46327's market is balanced with homes taking an average of 30 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 46327 sells for 3.8% below asking price (96.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46327 can comfortably use conventional financing. The median home price of $174,900 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 46327 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 46327
To purchase the median home at $174,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,490.
Monthly Payment
$1,490
Income Required
$63,858
Principal & Interest
$1,078/mo
Down Payment (5%)
$8,745
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 46327.
Estimated Monthly Payment
$1,232
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