46778 — Wells County, Indiana Market Snapshot
Housing market data for zip code 46778 in Wells County, Indiana. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Wells County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$153,100
Days to Sell
8
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 46778 can comfortably use conventional financing. The median home price of $153,100 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
46778 is an extremely competitive market with homes selling in just 8 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
Most homebuyers in 46778 can comfortably use conventional financing. The median home price of $153,100 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 46778 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 46778
To purchase the median home at $153,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,323.
Monthly Payment
$1,323
Income Required
$56,700
Principal & Interest
$943/mo
Down Payment (5%)
$7,655
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 46778.
Estimated Monthly Payment
$1,098
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 46778. Tell us what you're looking for.