46601 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46601 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the St. Joseph County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$171,250
Days to Sell
6
Homes Sold
2
Inventory
N/A
Conforming Loan Available
Most homebuyers in 46601 can comfortably use conventional financing. The median home price of $171,250 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
46601 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 46601 can comfortably use conventional financing. The median home price of $171,250 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 46601 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 46601
To purchase the median home at $171,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,462.
Monthly Payment
$1,462
Income Required
$62,660
Principal & Interest
$1,055/mo
Down Payment (5%)
$8,563
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 46601.
Estimated Monthly Payment
$1,210
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46601. Tell us what you're looking for.