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ZIP 46895 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 46895

Median Home Value
$138,100
Median Rent
$815
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$887/mo PITI).

15%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.1 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 46895, a household would need roughly $38,000 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 $887. That sits below the local median household income ($65,208), 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

Historic housing stock (21% built before 1939)

Owner Occupied
71.9%+10% vs US avg
x
Vacancy Rate
3.5%-66% vs US avg
x
Broadband Access
85.2%-2% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
21.4%+67% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
8.1%-84% vs US avg
x
Mortgage-Free
22.9%-40% vs US avg
x
$138,100
Home Value
$815
Rent
1953
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached90.9%
  • 1-unit attached0.0%
  • 2-9 units5.3%
  • 10+ units3.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,100
Median rent$815
Owner-occupied71.9%
Vacant3.5%
Price-to-income2.1x
Est. income to buy$38,000