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Rome City town, IN

ZIP 46784 — 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 46784

Median Home Value
$190,000
Median Rent
$582
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,221/mo PITI).

10%
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.

27.2 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 46784 in Rome City town, IN, a household would need roughly $52,000 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 $1,221. That sits below the local median household income ($71,500), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.5%+35% vs US avg
x
Vacancy Rate
36.2%+252% vs US avg
x
Broadband Access
87.4%+0% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
21.4%-57% vs US avg
x
Mortgage-Free
40.8%+7% vs US avg
x
$190,000
Home Value
$582
Rent
1958
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached86.0%
  • 1-unit attached0.3%
  • 2-9 units2.3%
  • 10+ units0.2%
  • Mobile home & other11.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,000
Median rent$582
Owner-occupied88.5%
Vacant36.2%
Price-to-income2.7x
Est. income to buy$52,000