46036 — Madison County, Indiana Market Snapshot
Housing market data for zip code 46036 in Madison County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$161,450
Days to Sell
31
Homes Sold
50
Inventory
36
Sale-to-List
96.8%
New Listings
55
Price/SqFt
$119
Pending Sales
64
Conforming Loan Available
Most homebuyers in 46036 can comfortably use conventional financing. The median home price of $161,450 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
46036's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 46036 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46036 can comfortably use conventional financing. The median home price of $161,450 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 46036 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 46036
To purchase the median home at $161,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,387.
Monthly Payment
$1,387
Income Required
$59,442
Principal & Interest
$995/mo
Down Payment (5%)
$8,073
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 46036.
Estimated Monthly Payment
$1,149
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46036. Tell us what you're looking for.