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Larwill town, IN

ZIP 46764 — 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 46764

Median Home Value
$226,500
Median Rent
$809
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,455/mo PITI).

15%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

23.3 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 46764 in Larwill town, IN, a household would need roughly $62,000 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 $1,455. That is roughly in line with the local median household income ($66,818). 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
94.1%+44% vs US avg
x
Vacancy Rate
7.4%-28% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
57.6%+16% vs US avg
x
Mortgage-Free
15.7%-59% vs US avg
x
$226,500
Home Value
$809
Rent
1976
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 detached91.9%
  • 1-unit attached0.0%
  • 2-9 units0.5%
  • 10+ units0.0%
  • Mobile home & other7.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$226,500
Median rent$809
Owner-occupied94.1%
Vacant7.4%
Price-to-income3.4x
Est. income to buy$62,000