Real Estate Investing in Decatur, Indiana

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1 ZIP codes • Population: 19,246 • Adams County

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Should you buy in Decatur, IN? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Decatur, IN?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

8.5% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $239,041
Avg Monthly Rent $864
ZIP Codes 1

Investing in Decatur Real Estate

Decatur (Indiana) spans 1 ZIPs and roughly a sizable population. unambiguously the fundamentals here skew distressed, with soft rents, soft appreciation, and structural headwinds worth respecting.

A 3.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Decatur is in that category.

Transaction volume in Decatur has thinned in a way that amplifies price discovery risk. From an investor standpoint, investors without local context should treat every number on the page with skepticism.

Demographics in Decatur show real pressure — median income of $N/AK is underwhelming relative to rents, and the 0% renter share includes significant cost-burdened households.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in Decatur, IN. Anonymous, moderated, never written by AI.

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Avg Home Value
$239,041
Avg Monthly Rent
$864
1% Rule
✗ Below
Landlord Friendly (IN)

📉 Market Crash Risk Index

Based on Decatur, IN metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Decatur, IN metro
0
Days to pending
17.4%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Decatur, IN

Screen every ZIP in Decatur

Filter Decatur’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Decatur, IN

Can owner-occupants cash flow in Decatur, IN?

Decatur, IN is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $239K price point reasonable to enter.

How strong is the working-renter base in Decatur, IN?

Tenant demand in Decatur, IN is solid. The local workforce $864/mo rents across most rental classes.

What type of investing works in Decatur, IN?

A careful cash-flow rentals with hands-on management strategy Decatur, IN best. The market produces even-keeled results for that approach at the $239K price point.

How strong is Decatur, IN for real estate investors?

Decatur, IN rates 3.0/5 for investability. With median values at $239K and rents near $864/mo, the market offers reasonable fundamentals for rental investors.

Is Decatur, IN landlord-friendly?

IN ranks as a landlord-friendly state for landlord-tenant law. Decatur generally follows the statewide framework, so landlords face reasonable operating rules.

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