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Fort Wayne city, IN

ZIP 46804 — 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 46804

Median Home Value
$241,000
Median Rent
$1,006
Affordability Snapshot
$66,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,548/mo PITI).

14%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.0 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 46804 in Fort Wayne city, IN, a household would need roughly $66,000 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 $1,548. That sits below the local median household income ($84,778), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.6%+3% vs US avg
x
Vacancy Rate
2.5%-76% vs US avg
x
Broadband Access
93.6%+8% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$241,000
Home Value
$1,006
Rent
1985
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached68.7%
  • 1-unit attached4.9%
  • 2-9 units12.3%
  • 10+ units13.9%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$241,000
Median rent$1,006
Owner-occupied67.6%
Vacant2.5%
Price-to-income2.8x
Est. income to buy$66,000