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Wolcottville town, IN

ZIP 46795 — 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 46795

Median Home Value
$250,500
Median Rent
$615
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,609/mo PITI).

10%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

33.9 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 46795 in Wolcottville town, IN, a household would need roughly $69,000 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 $1,609. That sits below the local median household income ($77,279), 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

Vacancy rate 30% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.3%+29% vs US avg
x
Vacancy Rate
29.7%+188% vs US avg
x
Broadband Access
83.8%-4% vs US avg
x
4+ Bedrooms
9.8%-34% vs US avg
x
Built Pre-1939
3.1%-76% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
40.0%+5% vs US avg
x
$250,500
Home Value
$615
Rent
1975
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 detached89.7%
  • 1-unit attached0.6%
  • 2-9 units2.3%
  • 10+ units0.7%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,500
Median rent$615
Owner-occupied84.3%
Vacant29.7%
Price-to-income3.2x
Est. income to buy$69,000