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ZIP 46995 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46995

Median Home Value
$191,700
Median Rent
$579
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,231/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

27.6 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 46995, 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 $1,231. That sits below the local median household income ($88,631), 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
91.9%+41% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
92.8%+7% vs US avg
x
4+ Bedrooms
5.9%-60% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
23.6%-52% vs US avg
x
Mortgage-Free
29.9%-22% vs US avg
x
$191,700
Home Value
$579
Rent
1970
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached93.4%
  • 1-unit attached0.5%
  • 2-9 units1.4%
  • 10+ units0.3%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,700
Median rent$579
Owner-occupied91.9%
Vacant4.6%
Price-to-income2.2x
Est. income to buy$53,000