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Hammond city, IN

ZIP 46327 — 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 46327

Median Home Value
$116,900
Median Rent
$910
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$751/mo PITI).

22%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

10.7 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 46327 in Hammond city, IN, a household would need roughly $32,000 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 $751. That sits below the local median household income ($50,457), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
61.8%-5% vs US avg
x
Vacancy Rate
14.5%+41% vs US avg
x
Broadband Access
82.9%-5% vs US avg
x
4+ Bedrooms
2.0%-86% vs US avg
x
Built Pre-1939
17.3%+35% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
26.1%-47% vs US avg
x
Mortgage-Free
43.4%+14% vs US avg
x
$116,900
Home Value
$910
Rent
1948
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 detached75.9%
  • 1-unit attached4.2%
  • 2-9 units16.3%
  • 10+ units1.4%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$116,900
Median rent$910
Owner-occupied61.8%
Vacant14.5%
Price-to-income2.3x
Est. income to buy$32,000