Real Estate Investing in Laotto, Indiana (46763)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 46763 (Laotto, IN)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High price-to-rent: Price-to-rent ratio 30.1 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Laotto, IN (46763)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 46763 Laotto
This part of Noble County is not an easy win. The 46763 ZIP records softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 46763 can be a a strong candidate for hunting ground — but the discount at $358K reflects genuine risk that outside investors often underestimate.
ZIP 46763's metrics run below Noble County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Who lives in 46763 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.
Distressed ZIPs reward experience. sturdy returns are possible in 46763, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Laotto:
Property Strategy for 46763
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $252,551 | $1,100 | 3.1% | +7.8% | $126,276 |
| 3BR | $330,300 | $1,340 | 2.9% | +8.0% | $110,100 |
| 4BR | $384,752 | $1,620 | 3.0% | +8.0% | $96,188 |
Market Trends
Home Value History (with trend line)
📊 How Does 46763 Compare?
| Metric | 46763 | Laotto | Kendallville, IN | Indiana |
|---|---|---|---|---|
| Home Value | $357,958 | $357,958 | N/A | $248,442 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 7.7% |
| Avg Rent | $990 | $990 | N/A | - |
| Cap Rate | 2.2% | 2.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 46763 (Laotto, IN). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 46763 (Laotto, IN)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $357,958 |
| Monthly Rent | $990 |
| Price-to-Rent | 30.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.3% |
| Cap Rate | 2.2% |
| 5-Year IRR | 9.2% |
📈 Home Appreciation
| 1-Year | +10.9% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +8.0% ▲ |
🏠 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 (2.2%). 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 46763
Population: 1,358
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
Investor Insight: With 1,109 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How do home values compare in Laotto, IN?
The median home value in Laotto, IN is roughly $358K. That puts it reasonable relative to the IN statewide average.
How strong are rents in Laotto, IN?
Rent in Laotto, IN is around $990/mo. The resulting rent-to-value relationship with $358K pricing is reasonable for most investor models.
Which real estate strategy fits Laotto, IN?
For Laotto, IN, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
What is the investability score for Laotto, IN?
With a 3.0/5 investability score, Laotto, IN ranks as a solid market for rental property investors. Median prices of $358K and rents of $990/mo drive the underlying numbers.
What is the typical renter like in Laotto, IN?
The renter base in Laotto, IN is reasonable for the $990/mo price point. Screening well and pricing to market typically yields measured tenants.
You know 46763 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 46763 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 46763 ranks in Kendallville, IN
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 46763 (Laotto)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 46763 (Laotto, IN).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.