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Munster town, IN

ZIP 46321 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46321

Median Home Value
$312,000
Median Rent
$1,240
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,004/mo PITI).

14%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.0 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 46321 in Munster town, IN, a household would need roughly $86,000 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 $2,004. That sits below the local median household income ($105,764), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
86.1%+32% vs US avg
x
Vacancy Rate
4.2%-59% vs US avg
x
Broadband Access
89.4%+3% vs US avg
x
4+ Bedrooms
6.5%-56% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
29.8%-40% vs US avg
x
Mortgage-Free
33.7%-12% vs US avg
x
$312,000
Home Value
$1,240
Rent
1972
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 detached74.8%
  • 1-unit attached6.8%
  • 2-9 units11.2%
  • 10+ units7.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$312,000
Median rent$1,240
Owner-occupied86.1%
Vacant4.2%
Price-to-income2.9x
Est. income to buy$86,000