46554 — LaPorte County, Indiana Market Snapshot
Housing market data for zip code 46554 in LaPorte County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$215,950
Days to Sell
80
Homes Sold
10
Inventory
10
Sale-to-List
98.7%
New Listings
15
Price/SqFt
$161
Pending Sales
11
Conforming Loan Available
Most homebuyers in 46554 can comfortably use conventional financing. The median home price of $215,950 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
With homes sitting for 80 days on average, 46554 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 46554 (98.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46554 can comfortably use conventional financing. The median home price of $215,950 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 46554 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 46554
To purchase the median home at $215,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,805.
Monthly Payment
$1,805
Income Required
$77,338
Principal & Interest
$1,331/mo
Down Payment (5%)
$10,798
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 46554.
Estimated Monthly Payment
$1,486
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46554. Tell us what you're looking for.