46368 — Porter County, Indiana Market Snapshot
Housing market data for zip code 46368 in Porter County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
164 sales in 2026 (year to date)
Median Sale Price
$300,538
Days to Sell
42
Homes Sold
164
Inventory
90
Sale-to-List
98.8%
New Listings
181
Price/SqFt
$168
Pending Sales
171
Conforming Loan Available
Most homebuyers in 46368 can comfortably use conventional financing. The median home price of $300,538 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
46368's market is balanced with homes taking an average of 42 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 46368 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46368 can comfortably use conventional financing. The median home price of $300,538 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 46368 are set at the county level.
2026 Loan Limits — Porter 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 46368
To purchase the median home at $300,538 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,453.
Monthly Payment
$2,453
Income Required
$105,113
Principal & Interest
$1,852/mo
Down Payment (5%)
$15,027
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 46368.
Estimated Monthly Payment
$2,010
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