46041 — Carroll County, Indiana Market Snapshot
Housing market data for zip code 46041 in Carroll County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
66 sales in 2026 (year to date)
Median Sale Price
$236,000
Days to Sell
19
Homes Sold
66
Inventory
40
Sale-to-List
98.0%
New Listings
89
Price/SqFt
$160
Pending Sales
87
Conforming Loan Available
Most homebuyers in 46041 can comfortably use conventional financing. The median home price of $236,000 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 46041 are moving quickly at 19 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46041 sells for 2.0% below asking price (98.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46041 can comfortably use conventional financing. The median home price of $236,000 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 46041 are set at the county level.
2026 Loan Limits — Carroll 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 46041
To purchase the median home at $236,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,958.
Monthly Payment
$1,958
Income Required
$83,921
Principal & Interest
$1,454/mo
Down Payment (5%)
$11,800
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 46041.
Estimated Monthly Payment
$1,611
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