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Area data

Waterloo, IN — ZIP 46793

Population: 4,104 (Census ACS)

The median home value in ZIP 46793 (Waterloo, IN) is $257,506 — up 7.0% over the past year. Homes sell for a median $276,575 after a median 29.5 days on market. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Very Low, with strongwind, tornado the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$257,506

Median home value

+7.0%

1-year change

29.5

Median days on market

Very Low

Hazard risk (county)

Home values & appreciation

Median home value
$257,506
1-year appreciation
+7.0%
3-year appreciation
+22.8%
5-year appreciation
+39.0%
10-year appreciation
+107.7%
All-time peak (2026-07)
$257,506
House Price Index (state)
367.2 (+2.9% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$276,575
Median list price
$347,450
Median price per sqft
$174
1-year sale-price change
+28.9%
Median days on market
29.5 days
Homes sold (recent period)
10
For-sale inventory
8
Sale-to-list ratio
98.9%
Active listings
2
1-year forecast
+3.8%
New listings (monthly)
6

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$750/mo
1BR fair-market rent
$937/mo
2BR fair-market rent
$1,156/mo
3BR fair-market rent
$1,502/mo
4BR fair-market rent
$1,734/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.5 (100 = US avg)
Electricity rate (state-level)
16.2¢/kWh
Natural gas rate (state-level)
$11.50/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
1
Middle schools
1
High schools
1
Schools include
DeKalb High School, DeKalb Middle School, Waterloo Elementary School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Very Low
Top hazards (county)
strongWind, tornado
Notable hazard ratings (county)
coldWave: Relatively Low · drought: Relatively Low · hail: Relatively Low · iceStorm: Relatively Low · inlandFlooding: Relatively Low · lightning: Relatively Low
Wildfire risk to homes (county)
Higher than 3% of US counties
Buildings in wildfire direct-exposure zone
36.2%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
38.0 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
3.5 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
9,719
Jobs reachable by transit (45 min)
9,044

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
40
Nearest airport
Walker/Rowe Waterloo Airport (2 mi)
Nearest major airport
Fort Wayne International Airport (FWA) (34 mi)
Hospitals nearby (~15 mi)
6
Hospitals include
PARKVIEW REGIONAL MEDICAL CENTER, ORTHOPAEDIC HOSPITAL AT PARKVIEW NORTH, PARKVIEW DEKALB HOSPITAL
Avg hospital rating (CMS)
3.5 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.9 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+124 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,981
Housing built before 1970
40.2%
Housing built 2000 or later
27.2%
Median annual property tax
$1,285
Mean commute to work
24 min
Households with broadband internet
59.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
19,703
Average weekly wage
$1,228
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
116

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 46793State medianUS median
Median home value$257,506$237,170$289,727
Median sale price$276,575$238,000$325,000
Median days on market30 days38 days51 days
Median annual property tax$1,285$1,179$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 46793?
$257,506.
What is the median sale price in ZIP 46793?
$276,575.
How long do homes take to sell in ZIP 46793?
Median days on market: 29.5 days.
What is typical rent in ZIP 46793?
2-bedroom fair-market rent: $1,156/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 46793?
Overall risk: Very Low (FEMA NRI, county-level). Top hazards: strongWind, tornado.
What is the wildfire risk in ZIP 46793?
Risk to homes is higher than 3% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 46793?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 46793?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 46793?
3 schools (1 elementary, 1 middle, 1 high) (NCES, 2022-23).
Is ZIP 46793 walkable?
Walkability index: 3.5/20 (EPA Smart Location Database).
What is the cost of living in ZIP 46793?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

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