46341 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46341 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
38 sales in 2026 (year to date)
Median Sale Price
$324,995
Days to Sell
41
Homes Sold
38
Inventory
16
Sale-to-List
98.4%
New Listings
30
Price/SqFt
$172
Pending Sales
35
Conforming Loan Available
Most homebuyers in 46341 can comfortably use conventional financing. The median home price of $324,995 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
46341's market is balanced with homes taking an average of 41 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 46341 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46341 can comfortably use conventional financing. The median home price of $324,995 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 46341 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 46341
To purchase the median home at $324,995 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,640.
Monthly Payment
$2,640
Income Required
$113,143
Principal & Interest
$2,003/mo
Down Payment (5%)
$16,250
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 46341.
Estimated Monthly Payment
$2,161
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