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Fort Wayne city, IN

ZIP 46814 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46814

Median Home Value
$383,000
Median Rent
$1,247
Affordability Snapshot
$105,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,460/mo PITI).

10%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.6 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 46814 in Fort Wayne city, IN, a household would need roughly $105,000 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 $2,460. That sits below the local median household income ($143,245), 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
92.2%+41% vs US avg
x
Vacancy Rate
4.8%-54% vs US avg
x
Broadband Access
96.8%+11% vs US avg
x
4+ Bedrooms
11.8%-20% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
6.2%-87% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$383,000
Home Value
$1,247
Rent
2002
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached92.2%
  • 1-unit attached1.6%
  • 2-9 units3.9%
  • 10+ units2.2%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$383,000
Median rent$1,247
Owner-occupied92.2%
Vacant4.8%
Price-to-income2.7x
Est. income to buy$105,000