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Poneto town, IN

ZIP 46781 — 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 46781

Median Home Value
$184,200
Median Rent
$430
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,183/mo PITI).

6%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

35.7 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 46781 in Poneto 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 $1,183. That sits below the local median household income ($89,886), 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
91.4%+40% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
81.8%-6% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
3.7%-47% vs US avg
x
Rent Burden >30%
3.6%-93% vs US avg
x
Mortgage-Free
51.2%+34% vs US avg
x
$184,200
Home Value
$430
Rent
1981
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached97.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$184,200
Median rent$430
Owner-occupied91.4%
Vacant0.0%
Price-to-income2.0x
Est. income to buy$51,000