46617 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46617 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$292,000
Days to Sell
25
Homes Sold
39
Inventory
24
Sale-to-List
99.6%
New Listings
65
Price/SqFt
$186
Pending Sales
43
Conforming Loan Available
Most homebuyers in 46617 can comfortably use conventional financing. The median home price of $292,000 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
Homes in 46617 are moving quickly at 25 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 46617 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46617 can comfortably use conventional financing. The median home price of $292,000 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 46617 are set at the county level.
2026 Loan Limits — St. Joseph 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 46617
To purchase the median home at $292,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,387.
Monthly Payment
$2,387
Income Required
$102,309
Principal & Interest
$1,799/mo
Down Payment (5%)
$14,600
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 46617.
Estimated Monthly Payment
$1,957
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