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New Carlisle city, OH

ZIP 45344 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45344

Median Home Value
$159,600
Median Rent
$646
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,025/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45344 in New Carlisle city, OH, a household would need roughly $44,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,025. That sits below the local median household income ($71,627), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.9%+22% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.4%-41% vs US avg
x
Mortgage-Free
38.5%+1% vs US avg
x
$159,600
Home Value
$646
Rent
1966
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached86.3%
  • 1-unit attached2.9%
  • 2-9 units5.7%
  • 10+ units1.6%
  • Mobile home & other3.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$159,600
Median rent$646
Owner-occupied79.9%
Vacant6.4%
Price-to-income2.2x
Est. income to buy$44,000