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Anderson city, IN

ZIP 46012 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46012

Median Home Value
$149,400
Median Rent
$754
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$960/mo PITI).

15%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 46012 in Anderson city, IN, a household would need roughly $41,000 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 $960. That sits below the local median household income ($58,538), 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
68.0%+4% vs US avg
x
Vacancy Rate
8.5%-18% vs US avg
x
Broadband Access
88.6%+2% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
34.8%-30% vs US avg
x
Mortgage-Free
43.0%+13% vs US avg
x
$149,400
Home Value
$754
Rent
1967
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached78.8%
  • 1-unit attached4.6%
  • 2-9 units12.0%
  • 10+ units2.2%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$149,400
Median rent$754
Owner-occupied68.0%
Vacant8.5%
Price-to-income2.6x
Est. income to buy$41,000