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ZIP 46856 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46856

Median Home Value
$141,000
Median Rent
$975
Affordability Snapshot
$39,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$906/mo PITI).

21%
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.

12.1 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 46856, a household would need roughly $39,000 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 $906. That sits below the local median household income ($55,750), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
15.3%-77% vs US avg
x
Vacancy Rate
20.4%+98% vs US avg
x
Broadband Access
97.7%+12% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.4%-81% vs US avg
x
Mortgage-Free
57.6%+51% vs US avg
x
$141,000
Home Value
$975
Rent
1964
Year Built
2020
Moved In

Residents have lived here since ~2020 on average

Housing Structure

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

  • 1-unit detached13.5%
  • 1-unit attached1.9%
  • 2-9 units20.3%
  • 10+ units64.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$141,000
Median rent$975
Owner-occupied15.3%
Vacant20.4%
Price-to-income2.5x
Est. income to buy$39,000