46356 — Lake County, Indiana Market Snapshot
Housing market data for zip code 46356 in Lake County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$345,000
Days to Sell
43
Homes Sold
103
Inventory
85
Sale-to-List
98.4%
New Listings
144
Price/SqFt
$184
Pending Sales
111
Conforming Loan Available
Most homebuyers in 46356 can comfortably use conventional financing. The median home price of $345,000 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
46356's market is balanced with homes taking an average of 43 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 46356 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46356 can comfortably use conventional financing. The median home price of $345,000 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 46356 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 46356
To purchase the median home at $345,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,793.
Monthly Payment
$2,793
Income Required
$119,712
Principal & Interest
$2,126/mo
Down Payment (5%)
$17,250
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 46356.
Estimated Monthly Payment
$2,285
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