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Osceola town, IN

ZIP 46561 — 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 46561

Median Home Value
$208,200
Median Rent
$943
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,337/mo PITI).

14%
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.

18.4 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 46561 in Osceola town, IN, a household would need roughly $57,000 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 $1,337. That sits below the local median household income ($83,520), 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
85.9%+31% vs US avg
x
Vacancy Rate
3.1%-69% vs US avg
x
Broadband Access
91.5%+5% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$208,200
Home Value
$943
Rent
1983
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.7%
  • 1-unit attached0.0%
  • 2-9 units4.3%
  • 10+ units1.2%
  • Mobile home & other8.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,200
Median rent$943
Owner-occupied85.9%
Vacant3.1%
Price-to-income2.5x
Est. income to buy$57,000