46619 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46619 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$167,250
Days to Sell
6
Homes Sold
32
Inventory
21
Sale-to-List
98.6%
New Listings
46
Price/SqFt
$121
Pending Sales
42
Conforming Loan Available
Most homebuyers in 46619 can comfortably use conventional financing. The median home price of $167,250 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
46619 is an extremely competitive market with homes selling in just 6 days on average. Buyers need pre-approval letters ready before making offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 46619 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46619 can comfortably use conventional financing. The median home price of $167,250 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 46619 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 46619
To purchase the median home at $167,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,431.
Monthly Payment
$1,431
Income Required
$61,346
Principal & Interest
$1,031/mo
Down Payment (5%)
$8,363
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 46619.
Estimated Monthly Payment
$1,185
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