46135 — Putnam County, Indiana Market Snapshot
Housing market data for zip code 46135 in Putnam County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$236,250
Days to Sell
12
Homes Sold
56
Inventory
26
Sale-to-List
97.3%
New Listings
60
Price/SqFt
$146
Pending Sales
64
Conforming Loan Available
Most homebuyers in 46135 can comfortably use conventional financing. The median home price of $236,250 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
46135 is an extremely competitive market with homes selling in just 12 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
The average home in 46135 sells for 2.7% below asking price (97.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46135 can comfortably use conventional financing. The median home price of $236,250 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 46135 are set at the county level.
2026 Loan Limits — Putnam 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 46135
To purchase the median home at $236,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,960.
Monthly Payment
$1,960
Income Required
$84,003
Principal & Interest
$1,456/mo
Down Payment (5%)
$11,813
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 46135.
Estimated Monthly Payment
$1,612
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