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Fort Wayne city, IN

ZIP 46835 — 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 46835

Median Home Value
$194,200
Median Rent
$907
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,247/mo PITI).

14%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.8 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 46835 in Fort Wayne city, IN, a household would need roughly $53,000 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 $1,247. That sits below the local median household income ($75,595), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.5%+12% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
92.3%+6% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
32.8%-14% vs US avg
x
$194,200
Home Value
$907
Rent
1982
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached73.5%
  • 1-unit attached4.5%
  • 2-9 units9.2%
  • 10+ units12.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,200
Median rent$907
Owner-occupied73.5%
Vacant3.2%
Price-to-income2.6x
Est. income to buy$53,000