ZIP Code 46845 — Fort Wayne, IN Home Prices (2026)

The typical home in ZIP 46845 (Fort Wayne, Indiana) is worth about $395,000 at roughly $186 per square foot — 78% more expensive than the Fort Wayne median and 34% more expensive than the typical U.S. home.

$395,000

Typical home value

$186

Price per sq ft

#2 of 16

Fort Wayne ZIPs by value

+78%

vs Fort Wayne median

How 46845 compares

ZIP 46845 is one of the pricier ZIP codes in Fort Wayne: its typical home value of $395,000 ranks #2 of the 16 Fort Wayne ZIP codes we track (the citywide range runs from $116,000 in 46803 to $463,000 in 46814). Per square foot it costs about $186, against $150 for Fort Wayne as a whole, $155 for Indiana, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 46845	$395,000	$186
Fort Wayne, IN	$221,500	$150
Indiana	$237,000	$155
United States	$294,000	$195

Home value by size in 46845

Using this ZIP’s rate of about $186 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$186,000
1,500 sq ft	$279,000
2,000 sq ft	$372,000
2,500 sq ft	$465,000
3,000 sq ft	$558,000

Salary needed to buy a home in ZIP 46845

To buy the typical $395,000 home in ZIP 46845 with 20% down, you need a household income of roughly $107,000 a year (about $2,510 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $128,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$19,800	$3,120/mo	$134,000/yr
10% (+PMI)	$39,500	$2,980/mo	$128,000/yr
20%	$79,000	$2,510/mo	$107,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 46845

At about $186 per square foot, here is roughly how much home different budgets get you in ZIP 46845:

Budget	Approx. size	What that looks like locally
$200k	1080 sq ft	below the local median — condos, smaller or older homes
$250k	1340 sq ft	below the local median — condos, smaller or older homes
$300k	1610 sq ft	below the local median — condos, smaller or older homes
$400k	2150 sq ft	around the typical home here
$500k	2690 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 46845 home.

Estimate a specific home in 46845

The estimator below is pre-set to ZIP 46845 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Fort Wayne ZIP codes by home value

Where 46845 sits among Fort Wayne’s 16 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	46814	$463,000	$189
2	46845 (this page)	$395,000	$186
3	46818	$313,000	$202
4	46804	$309,000	$152
5	46835	$265,000	$165
6	46825	$262,000	$179
7	46815	$250,000	$148
8	46819	$230,000	$148
9	46816	$213,000	$184
10	46809	$193,000	$148
11	46805	$184,000	$140
12	46807	$172,000	$124
13	46808	$172,000	$130
14	46802	$142,000	$172
15	46806	$117,000	$117
16	46803	$116,000	$117

ZIP 46845 home prices: frequently asked

What is the average home price in ZIP code 46845? +

The typical home in ZIP 46845 (Fort Wayne, IN) is worth about $395,000 as of 2026. That is 78% more expensive than the Fort Wayne median of $221,500 and 34% more expensive than the U.S. median of $294,000.

What is the price per square foot in 46845? +

About $186 per square foot in 46845, versus $150 across Fort Wayne and $155 across Indiana. At that rate a 1,500 sq ft home runs roughly $279,000 and a 2,500 sq ft home about $465,000.

What salary do you need to buy a house in ZIP 46845? +

For the typical $395,000 home in ZIP 46845, a household income of about $107,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $128,000; with 5% down about $134,000.

Is 46845 an expensive ZIP code? +

Within Fort Wayne, 46845 ranks #2 of 16 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Fort Wayne. Nationally it is relatively expensive.

See the full Fort Wayne home values page, all Indiana cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.