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Berne city, IN

ZIP 46711 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46711

Median Home Value
$180,200
Median Rent
$611
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,158/mo PITI).

12%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

24.6 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 46711 in Berne city, IN, a household would need roughly $50,000 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 $1,158. That sits below the local median household income ($59,817), 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
77.1%+18% vs US avg
x
Vacancy Rate
3.8%-63% vs US avg
x
Broadband Access
75.8%-13% vs US avg
x
4+ Bedrooms
4.9%-67% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
31.8%-17% vs US avg
x
$180,200
Home Value
$611
Rent
1974
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 detached76.0%
  • 1-unit attached3.2%
  • 2-9 units9.8%
  • 10+ units10.1%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$180,200
Median rent$611
Owner-occupied77.1%
Vacant3.8%
Price-to-income3.0x
Est. income to buy$50,000