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North Liberty town, IN

ZIP 46554 — 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 46554

Median Home Value
$189,400
Median Rent
$661
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,217/mo PITI).

11%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.9 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 46554 in North Liberty town, IN, a household would need roughly $52,000 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 $1,217. That sits below the local median household income ($75,043), 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
90.7%+39% vs US avg
x
Vacancy Rate
5.8%-43% vs US avg
x
Broadband Access
87.0%-0% vs US avg
x
4+ Bedrooms
6.0%-59% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
25.8%-48% vs US avg
x
Mortgage-Free
36.0%-6% vs US avg
x
$189,400
Home Value
$661
Rent
1951
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached92.7%
  • 1-unit attached0.9%
  • 2-9 units4.5%
  • 10+ units0.9%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$189,400
Median rent$661
Owner-occupied90.7%
Vacant5.8%
Price-to-income2.5x
Est. income to buy$52,000