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Harlan CDP, IN

ZIP 46741 — 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 46741

Median Home Value
$303,000
Median Rent
$838
Affordability Snapshot
$83,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,946/mo PITI).

11%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

30.1 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 46741 in Harlan CDP, IN, a household would need roughly $83,000 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 $1,946. That is roughly in line with the local median household income ($90,114). 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
89.5%+37% vs US avg
x
Vacancy Rate
0.7%-94% vs US avg
x
Broadband Access
81.8%-6% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
8.3%-83% vs US avg
x
Mortgage-Free
47.6%+25% vs US avg
x
$303,000
Home Value
$838
Rent
1985
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached90.2%
  • 1-unit attached2.5%
  • 2-9 units2.8%
  • 10+ units0.2%
  • Mobile home & other4.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$303,000
Median rent$838
Owner-occupied89.5%
Vacant0.7%
Price-to-income3.4x
Est. income to buy$83,000