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Fort Wayne city, IN

ZIP 46803 — Housing & Real Estate

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

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46803

Median Home Value
$78,800
Median Rent
$662
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$506/mo PITI).

25%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

9.9 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 46803 in Fort Wayne city, IN, a household would need roughly $22,000 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 $506. That sits below the local median household income ($31,797), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
42.0%-36% vs US avg
x
Vacancy Rate
11.2%+9% vs US avg
x
Broadband Access
79.4%-9% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
56.2%+47% vs US avg
x
$78,800
Home Value
$662
Rent
1960
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached59.1%
  • 1-unit attached5.5%
  • 2-9 units24.3%
  • 10+ units8.5%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$78,800
Median rent$662
Owner-occupied42.0%
Vacant11.2%
Price-to-income2.5x
Est. income to buy$22,000