ZIP 46595 housing market
Data through Sep 2026 · Seller's market · leverage 8
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Buyer Leverage Score
8
Sep 2026
Months of Supply
3.0 months
Jun 2026
Days on Market
32 days
Sep 2026
Price Cut %
0.0%
Sep 2026
Sale-to-List Ratio
105.0%
Aug 2026
Expected Disaster Loss
$72
Dec 2025
What this means
- Supply. There are 0% more homes for sale than the 2017-19 norm, so buyers have more to choose from than before the pandemic.
- Negotiating. Buyer leverage is low (8/100; U.S.: 54): homes typically sell at or above asking (105.0% of list); 0% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $72 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 St. Joseph County, IN
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Granger, IN 46530 | $418.1K | +4.1% | 21 |
| Mishawaka, IN 46544 | $211.7K | +5.7% | 18 |
| Gulivoire Park, IN 46614 | $245.8K | +6.6% | 21 |
| South Bend, IN 46628 | $180.5K | +7.8% | 44 |
| Mishawaka, IN 46545 | $221.1K | +6.0% | 9 |
| South Bend, IN 46619 | $141.3K | +7.9% | 31 |
| South Bend, IN 46637 | $258K | +7.0% | 41 |
| South Bend, IN 46615 | $185.5K | +7.0% | 19 |
| Osceola, IN 46561 | $296.8K | +5.5% | 27 |
| South Bend, IN 46613 | $113.9K | +7.1% | 50 |
| South Bend, IN 46617 | $338.4K | +7.7% | 42 |
| ZIP 46556 | – | – | – |
| New Carlisle, IN 46552 | $282.5K | +5.1% | 78 |
| South Bend, IN 46635 | $271.4K | +7.5% | 23 |
| South Bend, IN 46616 | $155.3K | +7.1% | 7 |
| South Bend, IN 46601 | $155.6K | +5.3% | 46 |
| North Liberty, IN 46554 | $274.1K | +7.9% | 28 |
| Lakeville, IN 46536 | $295.4K | +8.4% | 36 |
| ZIP 46624 | – | – | 13 |