46574 — Starke County, Indiana Market Snapshot
Housing market data for zip code 46574 in Starke County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$217,900
Days to Sell
31
Homes Sold
27
Inventory
30
Sale-to-List
97.0%
New Listings
43
Price/SqFt
$143
Pending Sales
38
Conforming Loan Available
Most homebuyers in 46574 can comfortably use conventional financing. The median home price of $217,900 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
46574's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 46574 sells for 3.0% below asking price (97.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46574 can comfortably use conventional financing. The median home price of $217,900 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 46574 are set at the county level.
2026 Loan Limits — Starke 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 46574
To purchase the median home at $217,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,819.
Monthly Payment
$1,819
Income Required
$77,978
Principal & Interest
$1,343/mo
Down Payment (5%)
$10,895
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 46574.
Estimated Monthly Payment
$1,499
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