Median home value in zip code 46540 (Middlebury, IN) is $363,082, up 6.6% year over year. Part of the Elkhart-Goshen, IN metropolitan area.

Home Value$363,082

YoY Change

+6.6%

Prices rising — worse for buyers.

Affordability

Enter your income for 46540 (Middlebury).

Income (annual)

Down Payment

$72,616 on $363,082

Example: $75,000 household income. Change it above to see your own.

Stretch35.6% of income

Above 28% but manageable with cuts.

PITI$2,226

P/I35.6%

Afford$285K

Gap-$78K

P&I $1,836Tax $257Ins $133

6.50% 30yr, 20% down, county tax + IN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

46540 is part of the Elkhart-Goshen, IN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Elkhart-Goshen, IN analysis

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