46777 — Wells County, Indiana Market Snapshot
Housing market data for zip code 46777 in Wells County, Indiana. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$229,900
Days to Sell
26
Homes Sold
19
Inventory
9
Sale-to-List
97.5%
New Listings
21
Price/SqFt
$157
Pending Sales
18
Conforming Loan Available
Most homebuyers in 46777 can comfortably use conventional financing. The median home price of $229,900 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
Homes in 46777 are moving quickly at 26 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
The average home in 46777 sells for 2.5% below asking price (97.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 46777 can comfortably use conventional financing. The median home price of $229,900 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 46777 are set at the county level.
2026 Loan Limits — Wells 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 46777
To purchase the median home at $229,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,911.
Monthly Payment
$1,911
Income Required
$81,918
Principal & Interest
$1,417/mo
Down Payment (5%)
$11,495
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 46777.
Estimated Monthly Payment
$1,573
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