ZIP 46965 housing market
Data through Aug 2026 · Seller's market · leverage 25
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Buyer Leverage Score
25
Jun 2025
Days on Market
11 days
Aug 2026
Price Cut %
0.0%
Aug 2026
Sale-to-List Ratio
106.7%
Feb 2024
Expected Disaster Loss
$88
Dec 2025
What this means
- Supply. There are 100% 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 (25/100; U.S.: 54) (as of Jun 2025): homes typically sell at or above asking (106.7% of list) (as of Feb 2024); 0% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $88 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 Howard County, IN
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Kokomo, IN 46901 | $165.8K | +4.2% | 51 |
| Kokomo, IN 46902 | $204.2K | +4.6% | 34 |
| Greentown, IN 46936 | $251.3K | +4.8% | 3 |
| Russiaville, IN 46979 | $271.5K | +5.3% | 23 |
| ZIP 46937 | – | – | 75 |