Cambridge City, IN—47327
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cambridge City, IN
As of Oct '25, the median home price in Cambridge City, IN is $175,000, with a year-over-year change of 8.7%. This indicates that home prices in Cambridge City, IN are increasing. According to Zillow, the 1-year price projection is 2.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $175,000 | 8.7% |
| Single Family | $175,000 | 8.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $120,000 | 7.1% |
3 Bed | $188,000 | 8.0% |
4 Bed | $232,000 | 9.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cambridge City, IN
Cambridge City, IN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cambridge City, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Cambridge City, IN is 72. This is a increase of 50.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 38.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $145,000 | -28.0% |
Listing Count | 16 | 31.0% |
| Listings as % of Homes | 0.3% | 31.0% |
Days on Market | 72 | 50.0% |
Demographics — Cambridge City, IN
As of the latest ACS Survey released in 2023, Cambridge City, IN has a population of 4,380, which has decreased by -5.2% over the past 5 years. Cambridge City, IN is a moderately popular place for families, as children make up 19.7% of the population. The area has a poorly educated workforce, with 14.6% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.7% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,380 | -5.2% |
% Under 18 | 19.7% | -15.8% |
% Seniors | 18.0% | -5.3% |
% WFH | 4.7% | 213.3% |
% w/ College Degree | 14.6% | 36.4% |
As of the latest ACS Survey released in 2023, Cambridge City, IN is a predominantly white area, with 97.1% of the population identifying as white. The white population has grown by 0.2% in the last 5 years. The second most common race or ethnicity in Cambridge City, IN is hispanic, making up 0.5% of the population. Foreign-born residents account for 0.4% of the population in Cambridge City, IN, and this percentage has increased by 100.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 97.1% | 0.2% |
% Black | 0.2% | 0.0% |
% Hispanic | 0.5% | 400.0% |
% Asian | 0.3% | ∞% |
% Foreign Born | 0.4% | 100.0% |
Mortgage and Risk — Cambridge City, IN
According to HUD data as of 2023, there were 92 mortgage originations in Cambridge City, IN, of which 75.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 35.0% above 90% LTV (very high). This implies large mortgage risk in Cambridge City, IN. Investor activity is low, as 3.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 92 |
% Conventional Loans | 75.0% |
% Government Loans | 25.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Cambridge City, IN
Cambridge City, IN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $710 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | N/A | N/A | $1,140 |
| 4 Bedroom | N/A | N/A | $1,230 |
Affordability — Cambridge City, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $175,000 |
| Median Household Income | $59,000 |