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Rochester city, IN

ZIP 46975 — 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 46975

Median Home Value
$151,100
Median Rent
$619
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$971/mo PITI).

12%
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.

20.3 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 46975 in Rochester city, IN, a household would need roughly $42,000 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 $971. That sits below the local median household income ($64,009), 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 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.6%+19% vs US avg
x
Vacancy Rate
15.2%+48% vs US avg
x
Broadband Access
85.1%-2% vs US avg
x
4+ Bedrooms
4.1%-73% vs US avg
x
Built Pre-1939
5.2%-59% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
43.7%+14% vs US avg
x
$151,100
Home Value
$619
Rent
1972
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached77.0%
  • 1-unit attached0.1%
  • 2-9 units8.8%
  • 10+ units3.7%
  • Mobile home & other10.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$151,100
Median rent$619
Owner-occupied77.6%
Vacant15.2%
Price-to-income2.4x
Est. income to buy$42,000