46259 — Marion County, Indiana Market Snapshot
Housing market data for zip code 46259 in Marion County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
55 sales in 2026 (year to date)
Median Sale Price
$377,500
Days to Sell
60
Homes Sold
55
Inventory
75
Sale-to-List
97.9%
New Listings
86
Price/SqFt
$144
Pending Sales
57
Conforming Loan Available
Most homebuyers in 46259 can comfortably use conventional financing. The median home price of $377,500 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
With homes sitting for 60 days on average, 46259 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
The average home in 46259 sells for 2.1% below asking price (97.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46259 can comfortably use conventional financing. The median home price of $377,500 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 46259 are set at the county level.
2026 Loan Limits — Marion 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 46259
To purchase the median home at $377,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,042.
Monthly Payment
$3,042
Income Required
$130,383
Principal & Interest
$2,326/mo
Down Payment (5%)
$18,875
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 46259.
Estimated Monthly Payment
$2,486
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46259. Tell us what you're looking for.