46011 — Madison County, Indiana Market Snapshot
Housing market data for zip code 46011 in Madison County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
44 sales in 2026 (year to date)
Median Sale Price
$217,000
Days to Sell
17
Homes Sold
44
Inventory
25
Sale-to-List
97.0%
New Listings
75
Price/SqFt
$136
Pending Sales
71
Conforming Loan Available
Most homebuyers in 46011 can comfortably use conventional financing. The median home price of $217,000 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
Homes in 46011 are moving quickly at 17 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46011 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46011 can comfortably use conventional financing. The median home price of $217,000 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 46011 are set at the county level.
2026 Loan Limits — Madison 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 46011
To purchase the median home at $217,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,813.
Monthly Payment
$1,813
Income Required
$77,682
Principal & Interest
$1,337/mo
Down Payment (5%)
$10,850
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 46011.
Estimated Monthly Payment
$1,493
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