Real Estate Investing in Universal, Indiana

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 207 • Vermillion County

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

🏠 For Homebuyers
GOOD FIT
Grade B (78/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
STRONG
5.0 / 5 (100/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • Elevated vacancy: 8.3% vacancy may signal weakening demand.

What’s happening in Universal, IN?

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5.0/ 5

Investability

Citywide average

2.0/ 5

Appreciation

3.7% 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 $81,985
Avg Monthly Rent $909
ZIP Codes 1

Investing in Universal Real Estate

Universal holds about a sizable population across 1 ZIPs, and its value-add reputation in Indiana rests on a wide spread between distressed and stabilized comps.

Cap rates of 0.0% on stabilized product understate the returns available in Universal for investors willing to renovate. On balance, execution risk is real and should be underwritten accordingly.

Universal's sale market mixes turn-key listings with rehabs, foreclosures, and older stock needing work. The spread between ARV and entry is where value-add capital makes its money.

Demographics in Universal support value-add work because the income ceiling is higher than older, unrenovated stock currently captures. Closing that gap is the thesis.

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Best ZIP codes in Terre Haute, IN

Universal is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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Avg Home Value
$81,985
Avg Monthly Rent
$909
1% Rule
✓ Passes
Landlord Friendly (IN)

📉 Market Crash Risk Index

Based on Terre Haute, IN metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
60%
Days Pending
1/2
48 days

View all metro crash risk rankings →

⚖️ Balanced Market — Terre Haute, IN metro
48
Days to pending
9.7%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Universal, IN

Screen every ZIP in Universal

Filter Universal’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 Universal, IN

What is the average monthly rent in Universal, IN?

Investors in Universal, IN typically see rents near $909/mo per month against $82K home values - a solid setup for rental cash flow.

Is Universal, IN a 1% rule market?

The median property in Universal, IN ($82K at $909/mo rent) a rent-to-price figure. Pure 1% deals require disciplined offer pricing.

What price range are homes in Universal, IN?

Homes in Universal, IN typically sell near $82K. Prices have moved at a 0.0% 5-year CAGR, which steady long-term demand.

How strong is Universal, IN for real estate investors?

Investors tracking Universal, IN will find a 5.0/5 rating supported by $82K median home values and $909/mo rents. That profile suits long-term holders targeting consistent returns.

How do BRRRR numbers look in Universal, IN?

Yes - BRRRR is a strong in Universal, IN. The $82K home values and $909/mo rents anchor the refinance math.

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