Osceola, IN—46561
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Osceola, IN
As of Oct '25, the median home price in Osceola, IN is $277,000, with a year-over-year change of 3.9%. This indicates that home prices in Osceola, IN are increasing. According to Zillow, the 1-year price projection is 2.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $277,000 | 3.9% |
| Single Family | $277,000 | 4.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $171,000 | 4.9% |
3 Bed | $276,000 | 4.2% |
4 Bed | $356,000 | 4.1% |
| 5 Bed | $484,000 | 3.2% |
% of Housing Stock
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.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,400 | $2,220 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,500 | $1,950 |
| 4 Bed Rent | $2,750 | $2,750 |
% of Rental Stock
Property Listings — Osceola, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Osceola, IN is 47. This is a increase of 5.0% 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 | $322,000 | 9.0% |
Listing Count | 63 | 19.0% |
| Listings as % of Homes | 0.4% | 19.0% |
Days on Market | 47 | 5.0% |
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.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,500 | 6.7% |
% Under 18 | 26.8% | -6.3% |
% Seniors | 14.2% | 10.1% |
% WFH | 7.0% | 27.3% |
% w/ College Degree | 26.1% | 5.7% |
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
| Metric | Latest Census | 5-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% |
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
| Metric | Zip 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% |
Loan Activity
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 Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,010 |
| 2 Bedroom | N/A | N/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
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $277,000 |
| Median Household Income | $83,500 |