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East Chicago city, IN

ZIP 46312 — 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 46312

Median Home Value
$92,400
Median Rent
$620
Affordability Snapshot
$25,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$594/mo PITI).

18%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.4 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 46312 in East Chicago city, IN, a household would need roughly $25,000 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 $594. That sits below the local median household income ($41,071), 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

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
44.1%-33% vs US avg
x
Vacancy Rate
19.6%+91% vs US avg
x
Broadband Access
74.3%-15% vs US avg
x
4+ Bedrooms
4.5%-69% vs US avg
x
Built Pre-1939
14.6%+14% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
59.6%+56% vs US avg
x
$92,400
Home Value
$620
Rent
1942
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 detached42.8%
  • 1-unit attached7.4%
  • 2-9 units38.6%
  • 10+ units11.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$92,400
Median rent$620
Owner-occupied44.1%
Vacant19.6%
Price-to-income2.2x
Est. income to buy$25,000