46536 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46536 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$243,214
Days to Sell
37
Homes Sold
10
Inventory
7
Sale-to-List
99.8%
New Listings
17
Price/SqFt
$166
Pending Sales
14
Conforming Loan Available
Most homebuyers in 46536 can comfortably use conventional financing. The median home price of $243,214 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
46536's market is balanced with homes taking an average of 37 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 46536 (99.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46536 can comfortably use conventional financing. The median home price of $243,214 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 46536 are set at the county level.
2026 Loan Limits — St. Joseph 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 46536
To purchase the median home at $243,214 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,013.
Monthly Payment
$2,013
Income Required
$86,290
Principal & Interest
$1,499/mo
Down Payment (5%)
$12,161
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 46536.
Estimated Monthly Payment
$1,655
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