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Wolcott town, IN

ZIP 47995 — 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 47995

Median Home Value
$136,900
Median Rent
$581
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$879/mo PITI).

9%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 47995 in Wolcott town, IN, a household would need roughly $38,000 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 $879. That sits below the local median household income ($77,981), 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
84.8%+30% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
86.8%-0% vs US avg
x
4+ Bedrooms
6.1%-59% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
11.3%-77% vs US avg
x
Mortgage-Free
39.9%+4% vs US avg
x
$136,900
Home Value
$581
Rent
1952
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached96.1%
  • 1-unit attached0.6%
  • 2-9 units2.5%
  • 10+ units0.6%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$136,900
Median rent$581
Owner-occupied84.8%
Vacant7.3%
Price-to-income1.8x
Est. income to buy$38,000