46614 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46614 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
106 sales in 2026 (year to date)
Median Sale Price
$218,000
Days to Sell
13
Homes Sold
106
Inventory
67
Sale-to-List
99.3%
New Listings
138
Price/SqFt
$150
Pending Sales
120
Conforming Loan Available
Most homebuyers in 46614 can comfortably use conventional financing. The median home price of $218,000 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
46614 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 46614 (99.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46614 can comfortably use conventional financing. The median home price of $218,000 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 46614 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 46614
To purchase the median home at $218,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,820.
Monthly Payment
$1,820
Income Required
$78,011
Principal & Interest
$1,343/mo
Down Payment (5%)
$10,900
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 46614.
Estimated Monthly Payment
$1,499
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46614. Tell us what you're looking for.