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Fort Wayne city, IN

ZIP 46815 — 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 46815

Median Home Value
$186,500
Median Rent
$799
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,198/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.

19.5 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 46815 in Fort Wayne city, 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 $1,198. That sits below the local median household income ($67,224), 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
76.9%+18% vs US avg
x
Vacancy Rate
4.8%-54% vs US avg
x
Broadband Access
90.8%+4% vs US avg
x
4+ Bedrooms
3.8%-74% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
26.4%-47% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$186,500
Home Value
$799
Rent
1974
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 detached74.8%
  • 1-unit attached4.1%
  • 2-9 units11.9%
  • 10+ units8.5%
  • Mobile home & other0.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,500
Median rent$799
Owner-occupied76.9%
Vacant4.8%
Price-to-income2.8x
Est. income to buy$51,000