dynamic.RE
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A middling-yield market with real competition. Neither rent nor appreciation dominates the case.
What would change this read: a price correction (median already +17.9% YoY) or rent growth lifting rent-to-price toward 0.8%/mo would move this ZIP toward a cash-flow story. inventory, +8.0% YoY, is the number to watch.
The median listing price is up 17.9% YoY while the median home got up 9.7% bigger, so value per square foot is up 10.1%.
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 $165K purchase rents for $1,162/mo: 0.70% of price per month against the 1% rule's 1.00%.
Not shown: 5 BR (sale only, no matching rent).
Sales here take about 17 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).
Not shown: Condo (no rent per sq ft reported).
U.S. Census ACS characteristics for ZIP 46619 itself, not its parent county.
Renters hold 25.7% of this ZIP's 7,858 occupied households, on a median household income of $48K.
| Measure | ZIP 46619 | St. Joseph County | Difference |
|---|---|---|---|
| Median Household Income | $48K | $67K | -$19K |
| Below Poverty Level | 22.8% | 14.2% | +8.6% |
| Median Age | 37.00 | 36.70 | +0.30 |
| Total Population | 21,729 | 273,040 | -- |
| Avg Household Size | 2.75 | 2.44 | +0.31 |
| Owner-Occupied | 74.3% | 69.0% | +5.3% |
| Worked From Home | 4.6% | 10.7% | -6.1% |
| Mean Commute | 21.30 | 21.10 | +0.20 |
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.