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Kempton town, IN

ZIP 46049 — 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 46049

Median Home Value
$145,400
Median Rent
$525
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$934/mo PITI).

8%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.1 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 46049 in Kempton town, IN, a household would need roughly $40,000 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 $934. That sits below the local median household income ($78,523), 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

Vacancy rate 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.9%+40% vs US avg
x
Vacancy Rate
23.7%+130% vs US avg
x
Broadband Access
88.5%+2% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
51.8%+36% vs US avg
x
$145,400
Home Value
$525
Rent
1938
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached98.8%
  • 1-unit attached0.2%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,400
Median rent$525
Owner-occupied91.9%
Vacant23.7%
Price-to-income1.9x
Est. income to buy$40,000