46701 — Noble County, Indiana Market Snapshot
Housing market data for zip code 46701 in Noble County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$295,000
Days to Sell
9
Homes Sold
13
Inventory
10
Sale-to-List
97.7%
New Listings
25
Price/SqFt
$191
Pending Sales
23
Conforming Loan Available
Most homebuyers in 46701 can comfortably use conventional financing. The median home price of $295,000 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
46701 is an extremely competitive market with homes selling in just 9 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 46701 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46701 can comfortably use conventional financing. The median home price of $295,000 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 46701 are set at the county level.
2026 Loan Limits — Noble 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 46701
To purchase the median home at $295,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,410.
Monthly Payment
$2,410
Income Required
$103,294
Principal & Interest
$1,818/mo
Down Payment (5%)
$14,750
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 46701.
Estimated Monthly Payment
$1,976
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