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Warsaw city, IN

ZIP 46582 — 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 46582

Median Home Value
$231,900
Median Rent
$944
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,490/mo PITI).

17%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

20.5 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 46582 in Warsaw city, IN, a household would need roughly $64,000 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 $1,490. That is roughly in line with the local median household income ($67,161). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
63.4%-3% vs US avg
x
Vacancy Rate
16.6%+61% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
2.3%-84% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
38.2%+0% vs US avg
x
$231,900
Home Value
$944
Rent
1993
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached60.5%
  • 1-unit attached3.1%
  • 2-9 units13.4%
  • 10+ units11.3%
  • Mobile home & other11.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,900
Median rent$944
Owner-occupied63.4%
Vacant16.6%
Price-to-income3.5x
Est. income to buy$64,000