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Pendleton town, IN

ZIP 46064 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46064

Median Home Value
$256,500
Median Rent
$853
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,648/mo PITI).

11%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.1 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 46064 in Pendleton town, IN, a household would need roughly $71,000 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 $1,648. That sits below the local median household income ($92,012), 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
84.5%+29% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
93.9%+8% vs US avg
x
4+ Bedrooms
8.6%-42% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
2.6%-63% vs US avg
x
Rent Burden >30%
16.9%-66% vs US avg
x
Mortgage-Free
28.7%-25% vs US avg
x
$256,500
Home Value
$853
Rent
1992
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.8%
  • 1-unit attached2.6%
  • 2-9 units4.4%
  • 10+ units1.8%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,500
Median rent$853
Owner-occupied84.5%
Vacant5.0%
Price-to-income2.8x
Est. income to buy$71,000