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Harlan CDP, IN

ZIP 46743 — 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 46743

Median Home Value
$186,600
Median Rent
$676
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,199/mo PITI).

11%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.0 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 46743 in Harlan CDP, IN, a household would need roughly $51,000 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 $1,199. That sits below the local median household income ($71,875), 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
82.0%+25% vs US avg
x
Vacancy Rate
5.6%-45% vs US avg
x
Broadband Access
84.6%-3% vs US avg
x
4+ Bedrooms
9.5%-36% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
4.1%-41% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
43.4%+13% vs US avg
x
$186,600
Home Value
$676
Rent
1979
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached91.5%
  • 1-unit attached1.0%
  • 2-9 units3.8%
  • 10+ units1.0%
  • Mobile home & other2.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,600
Median rent$676
Owner-occupied82.0%
Vacant5.6%
Price-to-income2.6x
Est. income to buy$51,000