46637 — St. Joseph County, Indiana Market Snapshot
Housing market data for zip code 46637 in St. Joseph County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
64 sales in 2026 (year to date)
Median Sale Price
$263,900
Days to Sell
32
Homes Sold
64
Inventory
42
Sale-to-List
99.1%
New Listings
78
Price/SqFt
$164
Pending Sales
65
Conforming Loan Available
Most homebuyers in 46637 can comfortably use conventional financing. The median home price of $263,900 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
46637's market is balanced with homes taking an average of 32 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 46637 (99.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 46637 can comfortably use conventional financing. The median home price of $263,900 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 46637 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 46637
To purchase the median home at $263,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,172.
Monthly Payment
$2,172
Income Required
$93,082
Principal & Interest
$1,626/mo
Down Payment (5%)
$13,195
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 46637.
Estimated Monthly Payment
$1,783
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