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Vandalia village, MI

ZIP 49095 — 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 49095

Median Home Value
$250,800
Median Rent
$661
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,611/mo PITI).

9%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.6 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 49095 in Vandalia village, MI, a household would need roughly $69,000 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 $1,611. That sits below the local median household income ($86,577), 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 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.5%+34% vs US avg
x
Vacancy Rate
23.4%+127% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
8.8%-40% vs US avg
x
Built Pre-1939
11.9%-7% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
50.3%+32% vs US avg
x
$250,800
Home Value
$661
Rent
1970
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 detached90.6%
  • 1-unit attached4.9%
  • 2-9 units0.0%
  • 10+ units0.2%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,800
Median rent$661
Owner-occupied87.5%
Vacant23.4%
Price-to-income2.9x
Est. income to buy$69,000