46567 — Elkhart County, Indiana Market Snapshot
Housing market data for zip code 46567 in Elkhart County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$342,500
Days to Sell
33
Homes Sold
37
Inventory
54
Sale-to-List
98.2%
New Listings
81
Price/SqFt
$198
Pending Sales
52
Conforming Loan Available
Most homebuyers in 46567 can comfortably use conventional financing. The median home price of $342,500 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
46567's market is balanced with homes taking an average of 33 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 46567 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46567 can comfortably use conventional financing. The median home price of $342,500 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 46567 are set at the county level.
2026 Loan Limits — Elkhart 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 46567
To purchase the median home at $342,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,774.
Monthly Payment
$2,774
Income Required
$118,891
Principal & Interest
$2,110/mo
Down Payment (5%)
$17,125
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 46567.
Estimated Monthly Payment
$2,270
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