46635 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46635 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
27 sales in 2026 (year to date)
Median Sale Price
$262,000
Days to Sell
23
Homes Sold
27
Inventory
12
Sale-to-List
99.4%
New Listings
33
Price/SqFt
$150
Pending Sales
30
Conforming Loan Available
Most homebuyers in 46635 can comfortably use conventional financing. The median home price of $262,000 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 46635 are moving quickly at 23 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 46635 (99.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46635 can comfortably use conventional financing. The median home price of $262,000 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 46635 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 46635
To purchase the median home at $262,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,157.
Monthly Payment
$2,157
Income Required
$92,458
Principal & Interest
$1,614/mo
Down Payment (5%)
$13,100
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 46635.
Estimated Monthly Payment
$1,771
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