Fillmore Market

Best Time to Buy a Townhouse

in Fillmore, IN • 2026 Buying Guide

Best Month

January

$137K

Avoid

September

$232K

Potential Savings

$95K

40.9% difference

Market Type

Seller's

1.0 mo. supply

Fillmore is a Seller's Market for Townhouses

Highlight your townhouse's advantages over condos (more space, private entrance) and its affordability compared to single-family homes. End units and those with garages command premium pricing.

Fillmore Market Snapshot

Median Sale Price

$190K

N/A YoY

Days on Market

4

median days

Inventory

1

active listings

Sale-to-List Ratio

102.4%

selling above ask

Townhouse Prices by Month in Fillmore

Jan

$137K

Best

Feb

$146K

Mar

$122K

Apr

$115K

May

$209K

Jun

$161K

Jul

$154K

Aug

$152K

Sep

$232K

Peak

Oct

$120K

Nov

$121K

Dec

$168K

Based on historical sales data in Fillmore

Why Timing Matters for Townhouses

Townhouses attract first-time buyers and downsizers, making timing more predictable. Winter offers the best deals as families are less active, but early spring (before the rush) can offer good inventory before competition heats up.

Buying a Townhouse in Fillmore: What to Know

Key Considerations

  • End unit vs. interior - affects noise, natural light, and resale value
  • Understand exactly what the HOA maintains (often exterior only)
  • Check shared wall sound insulation quality
  • Verify parking situation - dedicated vs. shared
  • Review any deed restrictions on modifications

Red Flags to Watch

  • Shared driveways or parking issues
  • Evidence of water intrusion on shared walls
  • Dramatically different maintenance levels among neighbors
  • Very high or very low HOA fees (both can indicate problems)
  • Restrictions that don't match your lifestyle

Financing a Townhouse in Fillmore

  • Most townhouses qualify for conventional, FHA, and VA loans
  • Some lenders classify townhouses as condos - verify with your lender
  • HOA fees are included in debt-to-income calculations
  • Private mortgage insurance drops off at 20% equity

Pro Tip: With Fillmore's median price at $190K, a 20% down payment would be approximately $38K. Get pre-approved early to know exactly what you can afford.

Best Time to Buy Other Property Types in Fillmore

More Fillmore Resources

Frequently Asked Questions About Buying a Townhouse in Fillmore

When is the best time to buy a townhouse in Fillmore, IN?

Based on our analysis of Fillmore's housing market, January is typically the best time to buy a townhouse. During this month, prices average around $137K, which is 40.9% lower than peak prices in September. Townhouses attract first-time buyers and downsizers, making timing more predictable. Winter offers the best deals as families are less active, but early spring (before the rush) can offer good inventory before competition heats up.

How much does a townhouse cost in Fillmore?

The current median home price in Fillmore is $190K. Townhouse prices vary based on location, size, and condition. Year-over-year, prices have changed N/A. Townhouses often appreciate similarly to single-family homes in the same area while requiring less maintenance. End units and those with garages typically appreciate faster.

Is Fillmore a good place to buy a townhouse?

Fillmore is currently a seller's market with only 1.0 months of inventory. While competition is higher, townhouses can still be good purchases if you're prepared to act quickly. Highlight your townhouse's advantages over condos (more space, private entrance) and its affordability compared to single-family homes. End units and those with garages command premium pricing.

What should I look for when buying a townhouse in Fillmore?

Key considerations for buying a townhouse in Fillmore include: End unit vs. interior - affects noise, natural light, and resale value; Understand exactly what the HOA maintains (often exterior only); Check shared wall sound insulation quality. Also watch for red flags like Shared driveways or parking issues and Evidence of water intrusion on shared walls.

How long do homes stay on the market in Fillmore?

Homes in Fillmore currently spend an average of 4 days on market. This indicates a fast-moving market where you need to be prepared to act quickly.

How do I finance a townhouse in Fillmore?

Most townhouses qualify for conventional, FHA, and VA loans Some lenders classify townhouses as condos - verify with your lender With Fillmore's median price of $190K, you'll want to get pre-approved early to understand your budget.

Buying a Townhouse in Fillmore, IN

Looking for the best time to buy a townhouse in Fillmore? Our analysis shows that January typically offers the best prices, with homes averaging around $137K. Buying during this time could save you up to $95K compared to peak months like September.

Current Fillmore Market Conditions

With a median price of $190K and homes spending an average of 4 days on market, Fillmore is currently a seller's market. There's currently 1.0 months of inventory available.

About Townhouses

Townhouses often appreciate similarly to single-family homes in the same area while requiring less maintenance. End units and those with garages typically appreciate faster.

Working with a Local Agent

Working with a local real estate agent who knows Fillmore can help you understand neighborhood dynamics, identify the best opportunities, and negotiate effectively in this market.

Ready to Buy a Townhouse in Fillmore?

Connect with local agents who specialize in townhouses.