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Kokomo city, IN

ZIP 46901 — 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 46901

Median Home Value
$131,700
Median Rent
$681
Affordability Snapshot
$36,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$846/mo PITI).

13%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.1 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 46901 in Kokomo city, IN, a household would need roughly $36,000 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 $846. That sits below the local median household income ($61,041), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
72.1%+10% vs US avg
x
Vacancy Rate
13.0%+26% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
8.0%-37% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
35.7%-6% vs US avg
x
$131,700
Home Value
$681
Rent
1961
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 detached77.3%
  • 1-unit attached2.4%
  • 2-9 units8.1%
  • 10+ units6.3%
  • Mobile home & other5.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$131,700
Median rent$681
Owner-occupied72.1%
Vacant13.0%
Price-to-income2.2x
Est. income to buy$36,000