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Wapakoneta city, OH

ZIP 45895 — 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 45895

Median Home Value
$181,700
Median Rent
$605
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,167/mo PITI).

10%
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.

25.0 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 45895 in Wapakoneta city, OH, a household would need roughly $50,000 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 $1,167. That sits below the local median household income ($72,965), 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
74.0%+13% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
87.0%-0% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$181,700
Home Value
$605
Rent
1974
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached79.6%
  • 1-unit attached0.6%
  • 2-9 units9.5%
  • 10+ units5.4%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,700
Median rent$605
Owner-occupied74.0%
Vacant5.3%
Price-to-income2.5x
Est. income to buy$50,000