46538 — Kosciusko County, Indiana Market Snapshot
Housing market data for zip code 46538 in Kosciusko County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$330,000
Days to Sell
49
Homes Sold
15
Inventory
29
Sale-to-List
97.7%
New Listings
32
Price/SqFt
$266
Pending Sales
28
Conforming Loan Available
Most homebuyers in 46538 can comfortably use conventional financing. The median home price of $330,000 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
46538's market is balanced with homes taking an average of 49 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 46538 sells for 2.3% below asking price (97.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46538 can comfortably use conventional financing. The median home price of $330,000 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 46538 are set at the county level.
2026 Loan Limits — Kosciusko 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 46538
To purchase the median home at $330,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,678.
Monthly Payment
$2,678
Income Required
$114,787
Principal & Interest
$2,033/mo
Down Payment (5%)
$16,500
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 46538.
Estimated Monthly Payment
$2,192
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