46075 — Boone County, Indiana Market Snapshot
Housing market data for zip code 46075 in Boone County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
120 sales in 2026 (year to date)
Median Sale Price
$384,900
Days to Sell
32
Homes Sold
120
Inventory
48
Sale-to-List
98.6%
New Listings
133
Price/SqFt
$161
Pending Sales
144
Conforming Loan Available
Most homebuyers in 46075 can comfortably use conventional financing. The median home price of $384,900 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
46075's market is balanced with homes taking an average of 32 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 46075 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46075 can comfortably use conventional financing. The median home price of $384,900 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 46075 are set at the county level.
2026 Loan Limits — Boone 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 46075
To purchase the median home at $384,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,099.
Monthly Payment
$3,099
Income Required
$132,813
Principal & Interest
$2,372/mo
Down Payment (5%)
$19,245
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 46075.
Estimated Monthly Payment
$2,532
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