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Upland town, IN

ZIP 46989 — 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 46989

Median Home Value
$182,900
Median Rent
$618
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,175/mo PITI).

10%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 46989 in Upland town, IN, a household would need roughly $50,000 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 $1,175. That sits below the local median household income ($73,679), 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 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.3%+23% vs US avg
x
Vacancy Rate
10.4%+1% vs US avg
x
Broadband Access
88.3%+1% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
2.6%-80% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.9%-64% vs US avg
x
Mortgage-Free
36.7%-4% vs US avg
x
$182,900
Home Value
$618
Rent
1973
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 detached87.1%
  • 1-unit attached0.3%
  • 2-9 units5.2%
  • 10+ units4.3%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$182,900
Median rent$618
Owner-occupied80.3%
Vacant10.4%
Price-to-income2.5x
Est. income to buy$50,000