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New Haven city, IN

ZIP 46774 — 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 46774

Median Home Value
$169,200
Median Rent
$743
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,087/mo PITI).

13%
Rent-to-Income Ratio

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

2.4x
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 46774 in New Haven city, IN, a household would need roughly $47,000 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 $1,087. That sits below the local median household income ($70,758), 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
78.6%+20% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
4.0%-69% vs US avg
x
Built Post-2014
2.1%-69% vs US avg
x
Rent Burden >30%
24.8%-50% vs US avg
x
Mortgage-Free
37.8%-1% vs US avg
x
$169,200
Home Value
$743
Rent
1973
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 detached87.9%
  • 1-unit attached1.6%
  • 2-9 units6.6%
  • 10+ units3.1%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$169,200
Median rent$743
Owner-occupied78.6%
Vacant4.3%
Price-to-income2.4x
Est. income to buy$47,000