46280 — Hamilton County, Indiana Market Snapshot
Housing market data for zip code 46280 in Hamilton County, Indiana. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Hamilton County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$299,950
Days to Sell
43
Homes Sold
6
Inventory
2
Conforming Loan Available
Most homebuyers in 46280 can comfortably use conventional financing. The median home price of $299,950 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
46280's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 46280 can comfortably use conventional financing. The median home price of $299,950 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 46280 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 46280
To purchase the median home at $299,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,448.
Monthly Payment
$2,448
Income Required
$104,920
Principal & Interest
$1,848/mo
Down Payment (5%)
$14,998
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 46280.
Estimated Monthly Payment
$2,006
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46280. Tell us what you're looking for.