US5.com
  1. Home
  2. States
  3. Indiana
  4. ZIP 46580
  5. Housing & Real Estate
Warsaw city, IN

ZIP 46580 — 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 46580

Median Home Value
$175,700
Median Rent
$730
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,129/mo PITI).

12%
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.

20.1 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 46580 in Warsaw city, IN, a household would need roughly $48,000 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 $1,129. That sits below the local median household income ($70,978), 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
74.9%+15% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
15.8%-68% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$175,700
Home Value
$730
Rent
1977
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 detached73.7%
  • 1-unit attached2.5%
  • 2-9 units10.1%
  • 10+ units5.5%
  • Mobile home & other8.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$175,700
Median rent$730
Owner-occupied74.9%
Vacant6.6%
Price-to-income2.5x
Est. income to buy$48,000