The story of this market
The typical home in ZIP 46845 sells for about $400,000, or $199 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 35 days to sell. HUD's fair market rent for a two-bedroom is $2,349 a month.
ZIP 46845 — Fort Wayne
The 46845 housing market remains robust, characterized by steady price appreciation and high demand for suburban single-family homes. Low inventory levels continue to drive competition, keeping the market favorable for sellers while maintaining strong value for homeowners.
This ZIP is ideal for families and professionals seeking suburban living with access to high-quality schools and modern amenities, while remaining within a reasonable commute of Fort Wayne's employment centers.
Median prices moved up 2.1% year over year.
Homes spend a median of 35 days on market with 2.8 months of supply — a fast-moving market.
18% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 4.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 46845, Allen County IN
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the 46845 area are generally lower than the Fort Wayne city average, reflecting its suburban character.
The area is served by highly-rated public schools within the Northwest Allen County Schools district, which is frequently cited as a top-performing district in the region.
The region faces standard Midwestern climate risks, including severe thunderstorms and occasional winter weather, with flood risk primarily localized to specific drainage basins.
The area benefits from proximity to major Fort Wayne employment hubs and ongoing residential expansion, with infrastructure improvements supporting continued suburban growth.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Indiana) — Ad Valorem Property Assessment: Property is assessed at 100% of true tax value, determined by market-based assessment systems and annual adjustments. State (Indiana) — Standard Homestead Deduction: Removes the first $45,000 of the homestead's assessed value from taxation. State (Indiana) — Indiana Property Tax Caps (Circuit Breaker): Limits annual property tax liability to 1% of gross assessed value for principal residences, 2% for other residential property, and 3% for non-residential property.
Residents primarily rely on personal vehicles for commuting, with convenient access to I-69 and major arterial roads leading into downtown Fort Wayne.
The ZIP features access to local parks, golf courses, and proximity to the Pufferbelly Trail system, with significant retail and dining options located along the Coldwater Road corridor.
The rental market is characterized by moderate demand and limited vacancy, with a mix of single-family rentals and newer apartment complexes.
The local economy is anchored by the broader Fort Wayne metro area, with significant employment in manufacturing, healthcare, and education sectors.
Transportation is dominated by private vehicle use, with I-69 serving as the primary corridor for regional access.
Development is focused on suburban residential expansion and commercial infill along major traffic corridors.
The Allen County Assessor manages property valuations, utilizing annual adjustments to reflect market trends.
Parcels are subject to Northwest Allen County Schools district taxes and standard municipal service levies.
Property insurance premiums are generally stable, though coverage for wind and hail damage is a standard consideration in the region.
Data retrieved from Census Reporter ZCTA 46845 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A major regional multi-use trail system providing connectivity for cyclists and pedestrians.
The primary commercial artery serving the ZIP with numerous retail centers and restaurants.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.