46074 — Hamilton County, Indiana Market Snapshot
Housing market data for zip code 46074 in Hamilton County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
35 sales in 2026 (year to date)
Median Sale Price
$345,600
Days to Sell
66
Homes Sold
35
Inventory
33
Sale-to-List
99.1%
New Listings
44
Price/SqFt
$190
Pending Sales
45
Conforming Loan Available
Most homebuyers in 46074 can comfortably use conventional financing. The median home price of $345,600 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
With homes sitting for 66 days on average, 46074 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 46074 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46074 can comfortably use conventional financing. The median home price of $345,600 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 46074 are set at the county level.
2026 Loan Limits — Hamilton 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 46074
To purchase the median home at $345,600 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,798.
Monthly Payment
$2,798
Income Required
$119,909
Principal & Interest
$2,129/mo
Down Payment (5%)
$17,280
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 46074.
Estimated Monthly Payment
$2,289
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