46346 — LaPorte County, Indiana Market Snapshot
Housing market data for zip code 46346 in LaPorte County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
22 sales in 2026 (year to date)
Median Sale Price
$258,990
Days to Sell
58
Homes Sold
22
Inventory
14
Sale-to-List
100.0%
New Listings
29
Price/SqFt
$145
Pending Sales
26
Conforming Loan Available
Most homebuyers in 46346 can comfortably use conventional financing. The median home price of $258,990 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
46346's market is balanced with homes taking an average of 58 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 46346 (100.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46346 can comfortably use conventional financing. The median home price of $258,990 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 46346 are set at the county level.
2026 Loan Limits — LaPorte 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 46346
To purchase the median home at $258,990 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,134.
Monthly Payment
$2,134
Income Required
$91,470
Principal & Interest
$1,596/mo
Down Payment (5%)
$12,950
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 46346.
Estimated Monthly Payment
$1,753
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