US5.com
  1. Home
  2. States
  3. Indiana
  4. ZIP 46740
  5. Housing & Real Estate
Geneva town, IN

ZIP 46740 — 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 46740

Median Home Value
$178,900
Median Rent
$483
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,149/mo PITI).

10%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

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

30.9 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 46740 in Geneva town, IN, a household would need roughly $49,000 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 $1,149. That sits below the local median household income ($59,230), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
10.2%-1% vs US avg
x
Broadband Access
65.0%-25% vs US avg
x
4+ Bedrooms
13.1%-12% vs US avg
x
Built Pre-1939
3.5%-72% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.0%-62% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$178,900
Home Value
$483
Rent
1966
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached80.6%
  • 1-unit attached4.4%
  • 2-9 units11.1%
  • 10+ units1.1%
  • Mobile home & other2.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$178,900
Median rent$483
Owner-occupied83.3%
Vacant10.2%
Price-to-income3.0x
Est. income to buy$49,000