Median home value in zip code 46540 (Middlebury, IN) is $363K, up 6.6% year over year. Part of the Elkhart-Goshen, IN metropolitan area.
Full stress scores, AI analysis, and 12-month forecast: Elkhart-Goshen, IN metro →
Home Value$363,082
YoY Change
+6.6%
AFFORDABILITY6.50% 30yr, 20% down, county tax + IN ins. 28% per HUD.
Enter your income for 46540 (Middlebury).
$72,616 on $363,082
Stretch — 35.6% of income
Above 28% but manageable with cuts.
PITI$2,226
P/I35.6%
Afford$285K
Gap-$78K
P&I $1,836Tax $257Ins $133
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.
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