46979 — Tipton County, Indiana Market Snapshot
Housing market data for zip code 46979 in Tipton County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$220,000
Days to Sell
6
Homes Sold
11
Inventory
6
Sale-to-List
96.6%
New Listings
15
Price/SqFt
$105
Pending Sales
14
Conforming Loan Available
Most homebuyers in 46979 can comfortably use conventional financing. The median home price of $220,000 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
46979 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 46979 sells for 3.4% below asking price (96.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46979 can comfortably use conventional financing. The median home price of $220,000 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 46979 are set at the county level.
2026 Loan Limits — Tipton 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 46979
To purchase the median home at $220,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,836.
Monthly Payment
$1,836
Income Required
$78,667
Principal & Interest
$1,356/mo
Down Payment (5%)
$11,000
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 46979.
Estimated Monthly Payment
$1,512
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