46783 — Whitley County, Indiana Market Snapshot
Housing market data for zip code 46783 in Whitley County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
28 sales in 2026 (year to date)
Median Sale Price
$353,450
Days to Sell
18
Homes Sold
28
Inventory
17
Sale-to-List
100.2%
New Listings
41
Price/SqFt
$182
Pending Sales
36
Conforming Loan Available
Most homebuyers in 46783 can comfortably use conventional financing. The median home price of $353,450 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
Homes in 46783 are moving quickly at 18 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 46783 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46783 can comfortably use conventional financing. The median home price of $353,450 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 46783 are set at the county level.
2026 Loan Limits — Whitley 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 46783
To purchase the median home at $353,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,858.
Monthly Payment
$2,858
Income Required
$122,487
Principal & Interest
$2,178/mo
Down Payment (5%)
$17,673
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 46783.
Estimated Monthly Payment
$2,337
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