Real Estate Investing in Stilesville, Indiana (46180)
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Should you buy in 46180 (Stilesville, IN)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 13.2% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stilesville, IN (46180)?
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Market Analysis: 46180 Stilesville
This part of Morgan County is not an easy win. The 46180 ZIP clocks in at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 46180 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
The gap between 46180 and stronger Stilesville ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Resident income in 46180 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
New investors are better served looking at Stilesville's stable or hybrid ZIPs before stepping into 46180. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Stilesville:
Property Strategy for 46180
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $210,821 | $1,230 | 4.2% | +8.0% | $105,411 |
| 3BR | $290,358 | $1,610 | 4.0% | +8.1% | $96,786 |
Market Trends
Home Value History (with trend line)
📊 How Does 46180 Compare?
| Metric | 46180 | Stilesville | Indianapolis-Carmel-Anderson, IN | Indiana |
|---|---|---|---|---|
| Home Value | $293,589 | $293,589 | N/A | $248,442 |
| 5-Year CAGR | 5.5% | 5.5% | N/A | 7.7% |
| Avg Rent | $1,107 | $1,107 | N/A | - |
| Cap Rate | 2.9% | 2.9% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 46180 (Stilesville, IN). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $293,589 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 22.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.5% |
| Cap Rate | 2.9% |
| 5-Year IRR | 8.4% |
📈 Home Appreciation
| 1-Year | +6.1% ▲ |
| 3-Year CAGR | +4.1% ▲ |
| 5-Year CAGR | +5.5% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 46180
Population: 1,002
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Where do home prices stand in Stilesville, IN?
Stilesville, IN median home values land near $294K. That is reasonable territory for investors looking at $1,107/mo-per-month rentals.
How strong is the working-renter base in Stilesville, IN?
Tenant demand in Stilesville, IN is solid. The local workforce $1,107/mo rents across most rental classes.
Does a duplex house hack pencil in Stilesville, IN?
For house hackers, Stilesville, IN is a challenging. The $1,107/mo rent on a unit helps defray the mortgage on a $294K property.
Is Stilesville, IN a friendly market for rental owners?
For rental operators, Stilesville, IN rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
What are rental rates like in Stilesville, IN?
Rental rates in Stilesville, IN average $1,107/mo. Tenant demand and $294K home values make the yield look reasonable by investor standards.
You know 46180 now. You don’t know where it ranks.
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How 46180 ranks in Indianapolis-Carmel-Anderson, IN
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