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Topeka town, IN

ZIP 46571 — 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 46571

Median Home Value
$312,900
Median Rent
$739
Affordability Snapshot
$86,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,010/mo PITI).

10%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

35.3 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 46571 in Topeka town, IN, a household would need roughly $86,000 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 $2,010. That is roughly in line with the local median household income ($84,705). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
80.7%+23% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
44.0%-49% vs US avg
x
4+ Bedrooms
24.3%+64% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
12.4%-75% vs US avg
x
Mortgage-Free
27.1%-29% vs US avg
x
$312,900
Home Value
$739
Rent
1990
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached74.2%
  • 1-unit attached8.7%
  • 2-9 units11.2%
  • 10+ units0.6%
  • Mobile home & other5.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$312,900
Median rent$739
Owner-occupied80.7%
Vacant3.2%
Price-to-income3.7x
Est. income to buy$86,000