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Ossian town, IN

ZIP 46777 — 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 46777

Median Home Value
$185,300
Median Rent
$762
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,190/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 46777 in Ossian town, IN, a household would need roughly $51,000 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 $1,190. That sits below the local median household income ($69,294), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
77.2%+18% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
77.7%-11% vs US avg
x
4+ Bedrooms
0.4%-98% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.5%-81% vs US avg
x
Mortgage-Free
43.8%+15% vs US avg
x
$185,300
Home Value
$762
Rent
1979
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 detached76.8%
  • 1-unit attached4.0%
  • 2-9 units10.5%
  • 10+ units1.7%
  • Mobile home & other7.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$185,300
Median rent$762
Owner-occupied77.2%
Vacant4.5%
Price-to-income2.7x
Est. income to buy$51,000