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Fort Wayne city, IN

ZIP 46807 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46807

Median Home Value
$133,500
Median Rent
$761
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$858/mo PITI).

16%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.6 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 46807 in Fort Wayne city, IN, a household would need roughly $37,000 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 $858. That sits below the local median household income ($56,341), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
60.0%-8% vs US avg
x
Vacancy Rate
11.5%+12% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
10.1%-21% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
33.6%-12% vs US avg
x
$133,500
Home Value
$761
Rent
1944
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached74.8%
  • 1-unit attached1.7%
  • 2-9 units17.0%
  • 10+ units5.9%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$133,500
Median rent$761
Owner-occupied60.0%
Vacant11.5%
Price-to-income2.4x
Est. income to buy$37,000