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Indianapolis city (balance), IN

ZIP 46201 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46201

Median Home Value
$150,600
Median Rent
$691
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$967/mo PITI).

19%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.2 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 46201 in Indianapolis city (balance), IN, a household would need roughly $41,000 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 $967. That is roughly in line with the local median household income ($43,183). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
46.9%-28% vs US avg
x
Vacancy Rate
19.1%+85% vs US avg
x
Broadband Access
77.6%-11% vs US avg
x
4+ Bedrooms
1.7%-89% vs US avg
x
Built Pre-1939
13.0%+1% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
29.7%-40% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$150,600
Home Value
$691
Rent
1938
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 detached65.8%
  • 1-unit attached15.0%
  • 2-9 units10.3%
  • 10+ units7.8%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,600
Median rent$691
Owner-occupied46.9%
Vacant19.1%
Price-to-income3.5x
Est. income to buy$41,000