46992 — Miami County, Indiana Market Snapshot
Housing market data for zip code 46992 in Miami County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
54 sales in 2026 (year to date)
Median Sale Price
$191,450
Days to Sell
55
Homes Sold
54
Inventory
26
Sale-to-List
98.8%
New Listings
50
Price/SqFt
$119
Pending Sales
50
Conforming Loan Available
Most homebuyers in 46992 can comfortably use conventional financing. The median home price of $191,450 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
46992's market is balanced with homes taking an average of 55 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 46992 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46992 can comfortably use conventional financing. The median home price of $191,450 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 46992 are set at the county level.
2026 Loan Limits — Miami 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 46992
To purchase the median home at $191,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,617.
Monthly Payment
$1,617
Income Required
$69,293
Principal & Interest
$1,180/mo
Down Payment (5%)
$9,573
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 46992.
Estimated Monthly Payment
$1,335
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