46590 — Kosciusko County, Indiana Market Snapshot
Housing market data for zip code 46590 in Kosciusko County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$346,400
Days to Sell
42
Homes Sold
20
Inventory
16
Sale-to-List
98.6%
New Listings
28
Price/SqFt
$167
Pending Sales
25
Conforming Loan Available
Most homebuyers in 46590 can comfortably use conventional financing. The median home price of $346,400 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
46590's market is balanced with homes taking an average of 42 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 46590 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46590 can comfortably use conventional financing. The median home price of $346,400 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 46590 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 46590
To purchase the median home at $346,400 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,804.
Monthly Payment
$2,804
Income Required
$120,172
Principal & Interest
$2,134/mo
Down Payment (5%)
$17,320
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 46590.
Estimated Monthly Payment
$2,294
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