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South Bend city, IN

ZIP 46614 — 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 46614

Median Home Value
$174,900
Median Rent
$768
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,124/mo PITI).

13%
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.

19.0 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 46614 in South Bend 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 $1,124. That sits below the local median household income ($70,998), 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
77.7%+19% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
39.2%+3% vs US avg
x
$174,900
Home Value
$768
Rent
1966
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached80.2%
  • 1-unit attached3.1%
  • 2-9 units5.1%
  • 10+ units10.1%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,900
Median rent$768
Owner-occupied77.7%
Vacant4.8%
Price-to-income2.5x
Est. income to buy$48,000