46952 — Wells County, Indiana Market Snapshot
Housing market data for zip code 46952 in Wells County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
76 sales in 2026 (year to date)
Median Sale Price
$162,750
Days to Sell
48
Homes Sold
76
Inventory
50
Sale-to-List
96.5%
New Listings
86
Price/SqFt
$108
Pending Sales
96
Conforming Loan Available
Most homebuyers in 46952 can comfortably use conventional financing. The median home price of $162,750 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
46952's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 46952 sells for 3.5% below asking price (96.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46952 can comfortably use conventional financing. The median home price of $162,750 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 46952 are set at the county level.
2026 Loan Limits — Wells 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 46952
To purchase the median home at $162,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,397.
Monthly Payment
$1,397
Income Required
$59,869
Principal & Interest
$1,003/mo
Down Payment (5%)
$8,138
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 46952.
Estimated Monthly Payment
$1,157
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