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  4. /Osceola, IN - 46561

Osceola, IN—46561

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$299,000
4.8% YoY Growth
Household Income
$83,500
12.4% YoY Growth
Days on Market
46
26.0% Longer YoY
Home Price Forecast
2.9%
Median Rent
$2,400
1.4% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
N/A
N/A
3-Bed Rent
$1,500
3.2% YoY Growth
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Osceola, IN

As of May '26, the median home price in Osceola, IN is $299,000, with a year-over-year change of 4.8%. This indicates that home prices in Osceola, IN are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$299,0004.8%
Single Family $299,0005.3%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$188,0006.8%
    3 Bed
    		$294,0005.0%
    4 Bed
    		$379,0005.0%
    5 Bed $506,4515.5%
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    % of Housing Stock

    Studio
    0.5%
    1 Bedroom
    0.9%
    2 Bedrooms
    19.4%
    3 Bedrooms
    55.7%
    4 Bedrooms
    19.4%
    5+ Bedrooms
    4.0%

    Rental Trends — Osceola, IN

    As of July '25, Rentcast reports the average rent in Osceola, IN is $2,220, with a year-over-year rent change of 1.4%. Per bedroom, the median rent as of July '25 in Osceola, IN is 3-bedrooms: $1,950, 4-bedrooms: $2,750. The most common rental property sizes in Osceola, IN are 2-bedroom and 3-bedroom, accounting for 47.4% and 31.3% of the rental stock.

    TypeMedian RentAverage Rent
    Average Rent$2,400$2,220
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent N/AN/A
    3 Bed Rent $1,500$1,950
    4 Bed Rent $2,750$2,750
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    % of Rental Stock

    Studio
    3.8%
    1 Bedroom
    4.8%
    2 Bedrooms
    47.4%
    3 Bedrooms
    31.3%
    4 Bedrooms
    5.6%
    5+ Bedrooms
    6.9%

    Property Listings — Osceola, IN

    As of May '26, Realtor.com reports that the median days on market for a home in Osceola, IN is 46. This is a increase of 26.0% 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 21.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$500,00018.0%
    Listing Count
    		5745.0%
    Listings as % of Homes0.4%45.0%
    Days on Market
    		4626.0%
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    Demographics — Osceola, IN

    As of the latest ACS Survey released in 2023, Osceola, IN has a population of 14,500, which has increased by 6.7% over the past 5 years. Osceola, IN is a popular place for families, as children make up 26.8% of the population. The area has a moderately educated workforce, with 26.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.0% reporting working from home.

    MetricLatest CensusYoY % Change
    Population
    		14,5006.7%
    % Under 18
    		26.8%-6.3%
    % Seniors
    		14.2%10.1%
    % WFH
    		7.0%27.3%
    % w/ College Degree
    		26.1%5.7%
    Loading chart...

    As of the latest ACS Survey released in 2023, Osceola, IN is a predominantly white area, with 86.8% of the population identifying as white. The white population has shrunk by 4.9% in the last 5 years. The second most common race or ethnicity in Osceola, IN is hispanic, making up 8.6% of the population. Foreign-born residents account for 2.6% of the population in Osceola, IN, and this percentage has increased by 18.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.

    Race and Ethnicity

    MetricLatest Census5-Year % Change
    % White
    		86.8%-4.9%
    % Black
    		1.5%-16.7%
    % Hispanic
    		8.6%258.3%
    % Asian
    		1.1%10.0%
    % Foreign Born
    		2.6%18.2%
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    Mortgage and Risk — Osceola, IN

    According to HUD data as of 2023, there were 445 mortgage originations in Osceola, IN, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 53.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Osceola, IN. Investor activity is low, as 0.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.

    Mortgages

    MetricZip Code Average
    Total Loan Originations
    		445
    % Conventional Loans
    		84.0%
    % Government Loans
    		16.0%
    % Investor Loans
    		0.0%
    % Second Loans
    		0.0%
    % Cash Out Refinance
    		18.0%
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    Rentals and Section 8 — Osceola, IN

    Osceola, IN lacks sufficient Section 8 program data for analysis.

    Section 8 Market Size

    Total Units under HUD
    		72
    Total Units Section 8
    		72
    % Rentals under Section 8
    		10.9%
    % Occupied Section 8
    		94.0%

    Section 8 Opportunity

    Home SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$1,010
    2 BedroomN/AN/A$1,190
    3 Bedroom-$20$1,500$1,480
    4 Bedroom-$1,170$2,750$1,580

    Affordability — Osceola, IN

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio3
    Median Home Price$299,000
    Median Household Income$83,500

    Osceola, IN — ZIP Code Boundary Map

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    Frequently Asked Questions