Zip lookup · IN

46845
Fort Wayne, Indiana.

Fort Wayne, Allen County, IN · Fort Wayne, IN metro · population 29,583

What it costs per month · 46845 $2,045/mo

to buy the typical home at today's mortgage rate — +$1,087 (+113%) since Jan 2020.

What the home itself did
1 year
Up $11,326 +3%
$378,288$389,614 since Sep 2025
5 years
Up $73,094 +23%
$316,519$389,614 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 46845 $2,045 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 46845$2,045
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 17 years.

Typical home values in zip 46845 rose 3.0% over the past year — faster than the nation's +1.2%.

Asking rents in zip 46845 rose 6.1% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 46845 runs $895/mo more than renting one. The gap peaked at $966 in Mar 2025.

That is $2,717 a month against $1,822 rent: a $2,045 mortgage payment, plus $255 property tax and $417 insurance & upkeep.

Owning vs renting — zip 46845

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,750 $2,000 $2,250 $2,500 $2,750 2025 2026 Owning all in $2,717 Renting $1,822 Mortgage only $2,045
$1,750 $2,000 $2,250 $2,500 $2,750 2025 2026
  • Owning all in$2,717
  • Renting$1,822
  • Mortgage only$2,045

Property tax · $255/mo 0.79% of value a year — the ACS 2020-2024 median bill over the median home value for Allen County, IN

Insurance & upkeep · $417/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Fort Wayne, IN — measured over the city limits, which is a different area from this zip.

Asking rent $1,822 as of Sep 2026
+6.1%year on year
Typical home value $389,614 as of Sep 2026
+3.0%year on year

Asking rent — 46845

Against the Fort Wayne, IN metro and the national benchmark.

$1,200 $1,400 $1,600 $1,800 2025 2026 46845 $1,822 Fort Wayne $1,266 United States $1,932
$1,200 $1,400 $1,600 $1,800 2025 2026
  • 46845$1,822
  • Fort Wayne$1,266
  • United States$1,932

Typical home value — 46845

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 2018 2020 2022 2024 2026 46845 $389,614 Fort Wayne $257,074 United States $366,157
$200,000 $300,000 $400,000 2018 2022 2026
  • 46845$389,614
  • Fort Wayne$257,074
  • United States$366,157

Within 20 miles

Showing 30 of 38 zips in range — sorting picks from all 38.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
3.6 46825 Fort Wayne 29,296 $1,373 $259,042
4.0 46765 Leo 5,786 — $399,194
4.3 46748 Huntertown 6,902 — $352,805
5.0 46835 Fort Wayne 38,166 $1,164 $261,042
7.3 46805 Fort Wayne 21,437 $1,039 $180,351
7.5 46815 Fort Wayne 27,238 $1,650 $244,538
8.1 46741 Grabill 4,713 — $373,650
8.2 46808 Fort Wayne 19,684 $1,069 $168,154
8.2 46738 Garrett 8,533 — $211,142
8.5 46818 Fort Wayne 21,954 $1,980 $310,028
9.3 46763 Laotto 1,444 — $356,540
9.4 46803 Fort Wayne 10,994 $916 $109,459
9.9 46802 Fort Wayne 11,177 $1,044 $137,501
10.1 46706 Auburn 20,403 $1,100 $282,371
10.7 46774 New Haven 17,858 $1,356 $248,036
11.0 46806 Fort Wayne 26,425 $919 $112,128
11.3 46807 Fort Wayne 16,317 $1,024 $164,685
11.3 46788 Spencerville 4,373 — $466,431
11.5 46723 Churubusco 7,617 — $301,206
12.5 46804 Fort Wayne 29,661 $1,597 $305,456
12.6 46710 Avilla 4,506 — $286,942
13.3 46743 Harlan 2,347 — $279,450
13.9 46797 Woodburn 4,097 — $286,095
14.0 46785 Saint Joe 1,491 — $313,150
14.3 46816 Fort Wayne 19,514 $1,032 $208,434
15.1 46809 Fort Wayne 8,589 $932 $189,217
15.1 46814 Fort Wayne 16,778 $2,049 $461,800
16.7 46819 Fort Wayne 9,369 — $225,073
17.4 46730 Corunna 1,299 — $324,111
18.2 46745 Hoagland 1,793 — $314,056

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.