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Paoli town, IN

ZIP 47454 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 47454

Median Home Value
$145,400
Median Rent
$631
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$934/mo PITI).

14%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.2 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 47454 in Paoli town, IN, a household would need roughly $40,000 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 $934. That sits below the local median household income ($53,931), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
78.8%+20% vs US avg
x
Vacancy Rate
12.2%+18% vs US avg
x
Broadband Access
84.0%-3% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.1%-83% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
13.5%-73% vs US avg
x
Mortgage-Free
48.9%+28% vs US avg
x
$145,400
Home Value
$631
Rent
1979
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 detached72.6%
  • 1-unit attached1.2%
  • 2-9 units4.1%
  • 10+ units3.2%
  • Mobile home & other18.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$145,400
Median rent$631
Owner-occupied78.8%
Vacant12.2%
Price-to-income2.7x
Est. income to buy$40,000