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Mishawaka city, IN

ZIP 46544 — 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 46544

Median Home Value
$151,100
Median Rent
$877
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$971/mo PITI).

18%
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.

14.4 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 46544 in Mishawaka city, IN, a household would need roughly $42,000 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 $971. That sits below the local median household income ($57,873), 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
66.4%+2% vs US avg
x
Vacancy Rate
7.7%-25% vs US avg
x
Broadband Access
88.3%+2% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
17.6%-64% vs US avg
x
Mortgage-Free
37.1%-3% vs US avg
x
$151,100
Home Value
$877
Rent
1969
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached67.4%
  • 1-unit attached3.5%
  • 2-9 units15.1%
  • 10+ units10.1%
  • Mobile home & other3.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$151,100
Median rent$877
Owner-occupied66.4%
Vacant7.7%
Price-to-income2.6x
Est. income to buy$42,000