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Goshen city, IN

ZIP 46528 — 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 46528

Median Home Value
$237,600
Median Rent
$817
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,526/mo PITI).

13%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

24.2 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 46528 in Goshen city, IN, a household would need roughly $65,000 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 $1,526. That sits below the local median household income ($77,620), 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
79.0%+21% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$237,600
Home Value
$817
Rent
1983
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 detached79.0%
  • 1-unit attached3.8%
  • 2-9 units8.6%
  • 10+ units1.2%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,600
Median rent$817
Owner-occupied79.0%
Vacant6.8%
Price-to-income3.1x
Est. income to buy$65,000