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ZIP 42564 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 42564

Median Home Value
$196,200
Median Rent
$575
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,260/mo PITI).

26%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

28.4 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 42564, a household would need roughly $54,000 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 $1,260. That is about 103% above the local median household income ($26,643), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
32.7%-50% vs US avg
x
Vacancy Rate
6.1%-40% vs US avg
x
Broadband Access
72.2%-17% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
23.9%-52% vs US avg
x
Mortgage-Free
54.0%+41% vs US avg
x
$196,200
Home Value
$575
Rent
1985
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 detached53.4%
  • 1-unit attached4.1%
  • 2-9 units39.6%
  • 10+ units2.1%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,200
Median rent$575
Owner-occupied32.7%
Vacant6.1%
Price-to-income7.4x
Est. income to buy$54,000