46385 — Porter County, Indiana Market Snapshot
Housing market data for zip code 46385 in Porter County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
169 sales in 2026 (year to date)
Median Sale Price
$384,411
Days to Sell
42
Homes Sold
169
Inventory
153
Sale-to-List
98.4%
New Listings
251
Price/SqFt
$178
Pending Sales
200
Conforming Loan Available
Most homebuyers in 46385 can comfortably use conventional financing. The median home price of $384,411 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
46385'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 46385 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46385 can comfortably use conventional financing. The median home price of $384,411 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 46385 are set at the county level.
2026 Loan Limits — Porter 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 46385
To purchase the median home at $384,411 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,095.
Monthly Payment
$3,095
Income Required
$132,653
Principal & Interest
$2,369/mo
Down Payment (5%)
$19,221
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 46385.
Estimated Monthly Payment
$2,529
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