dynamic.RE
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Rent math and competition at once. Rents clear the usual cash-flow bar in a market that is still moving quickly.
What would change this read: price growth (median +3.0% YoY) outrunning rents would pull rent-to-price back under 0.8%/mo and weaken the cash-flow case. inventory, +54.3% YoY, is the number to watch.
The median listing price is up 3.0% YoY while the median home got down 1.9% bigger, so value per square foot is up 1.1%.
Min/max come from the active-listing pool; the median comes from Realtor's separate listing set — the two are not subsets of each other, so the median's position relative to the tiles above should not be read literally.
At the median, a $116K purchase rents for $1,100/mo: 0.95% of price per month against the 1% rule's 1.00%.
Not shown: Studio (rent only, no matching sale price), 5 BR (sale only, no matching rent), 6 BR (sale only, no matching rent).
Sales here take about 31 days longer to go under contract than rentals.
Not shown: Apartment (rented here, not sold), Condo (rented here, not sold), Land (sold here, not rented), Multi-Family (sold here, not rented).
Not shown: Condo (no rent per sq ft reported).
U.S. Census ACS characteristics for ZIP 46613 itself, not its parent county.
Renters hold 46.6% of this ZIP's 4,244 occupied households, on a median household income of $43K.
| Measure | ZIP 46613 | St. Joseph County | Difference |
|---|---|---|---|
| Median Household Income | $43K | $67K | -$24K |
| Below Poverty Level | 33.6% | 14.2% | +19.4% |
| Median Age | 28.80 | 36.70 | -7.90 |
| Total Population | 12,279 | 273,040 | -- |
| Avg Household Size | 2.84 | 2.44 | +0.40 |
| Owner-Occupied | 53.4% | 69.0% | -15.6% |
| Worked From Home | 8.0% | 10.7% | -2.7% |
| Mean Commute | 21.40 | 21.10 | +0.30 |
Higher or lower is not itself good or bad — it describes the neighborhood, not the investment.
ZIP-level figures come from ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP codes. A missing value is suppressed or unavailable at this sample size, not zero. Estimates for 2019–2020 use the 2010 ZCTA boundaries and 2021–2024 the 2020 ones, so a step between those two years may be a boundary change rather than real movement.
County population is up 0.2% to 273,040: residents under 18 are down 0.4% and those 65 and over are up 2.2%.
County median household income is $67K, 14.2% of residents are below the poverty level, 10.7% work from home.