46805 — Allen County, Indiana Market Snapshot
Housing market data for zip code 46805 in Allen County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
71 sales in 2026 (year to date)
Median Sale Price
$190,000
Days to Sell
24
Homes Sold
71
Inventory
43
Sale-to-List
98.8%
New Listings
100
Price/SqFt
$123
Pending Sales
99
Conforming Loan Available
Most homebuyers in 46805 can comfortably use conventional financing. The median home price of $190,000 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
Homes in 46805 are moving quickly at 24 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 46805 (98.8% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46805 can comfortably use conventional financing. The median home price of $190,000 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 46805 are set at the county level.
2026 Loan Limits — Allen 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 46805
To purchase the median home at $190,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,606.
Monthly Payment
$1,606
Income Required
$68,817
Principal & Interest
$1,171/mo
Down Payment (5%)
$9,500
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 46805.
Estimated Monthly Payment
$1,326
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