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Greencastle city, IN

ZIP 46135 — 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 46135

Median Home Value
$200,900
Median Rent
$734
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,291/mo PITI).

12%
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.

22.8 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 46135 in Greencastle city, IN, a household would need roughly $55,000 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 $1,291. That sits below the local median household income ($70,847), 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
63.2%-3% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
83.3%-4% vs US avg
x
4+ Bedrooms
3.2%-78% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.9%-86% vs US avg
x
Rent Burden >30%
6.8%-86% vs US avg
x
Mortgage-Free
36.4%-5% vs US avg
x
$200,900
Home Value
$734
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached71.5%
  • 1-unit attached2.1%
  • 2-9 units13.1%
  • 10+ units6.3%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,900
Median rent$734
Owner-occupied63.2%
Vacant6.4%
Price-to-income2.8x
Est. income to buy$55,000