Carmel, IN 46290 housing market
Data through Sep 2026 · Buyer's market · leverage 78
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Buyer Leverage Score
78
Sep 2026
Months of Supply
24.5 months
Jul 2026
Days on Market
115 days
Sep 2026
Price Cut %
0.0%
Sep 2026
Sale-to-List Ratio
98.9%
Jul 2026
Expected Disaster Loss
$93
Dec 2025
What this means
- Supply. There are 167% more homes for sale than the 2017-19 norm and rising (+33% vs. a year ago), so buyers have more to choose from than before the pandemic.
- Negotiating. Buyer leverage is high (78/100; U.S.: 54): homes sell for about 1.1% below their final list price (as of Jul 2026); 0% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $93 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
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Other ZIP codes in Hamilton County, IN
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Carmel, IN 46032 | $586.3K | +5.4% | 17 |
| Westfield, IN 46074 | $503.7K | +3.3% | 36 |
| Fishers, IN 46037 | $472.6K | +1.5% | 27 |
| Noblesville, IN 46060 | $358.2K | +2.1% | 30 |
| Fishers, IN 46038 | $380.7K | +2.0% | 35 |
| Noblesville, IN 46062 | $438.7K | +2.4% | 22 |
| Carmel, IN 46033 | $589.2K | +4.8% | 14 |
| Cicero, IN 46034 | $409.8K | +2.9% | 30 |
| Carmel, IN 46280 | $345.1K | +3.6% | 36 |
| Sheridan, IN 46069 | $340.5K | +5.4% | 25 |
| Arcadia, IN 46030 | $311.2K | +5.3% | 11 |
| Atlanta, IN 46031 | $334.4K | +5.8% | 6 |