ZIP Code 41095 — Warsaw, IN Home Prices (2026)
The typical home in ZIP 41095 (Warsaw, Indiana) is worth about $194,000 at roughly $204 per square foot — 25% more affordable than the Warsaw median and 34% more affordable than the typical U.S. home.
How 41095 compares
ZIP 41095 is one of the more affordable ZIP codes in Warsaw: its typical home value of $194,000 ranks #3 of the 3 Warsaw ZIP codes we track (the citywide range runs from $194,000 in 41095 to $318,000 in 46582). Per square foot it costs about $204, against $204 for Warsaw as a whole, $155 for Indiana, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 41095 | $194,000 | $204 |
| Warsaw, IN | $258,000 | $204 |
| Indiana | $237,000 | $155 |
| United States | $294,000 | $195 |
Home value by size in 41095
Using this ZIP’s rate of about $204 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 | $204,000 |
| 1,500 sq ft | $306,000 |
| 2,000 sq ft | $408,000 |
| 2,500 sq ft | $510,000 |
| 3,000 sq ft | $612,000 |
Salary needed to buy a home in ZIP 41095
To buy the typical $194,000 home in ZIP 41095 with 20% down, you need a household income of roughly $53,000 a year (about $1,230 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $63,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,700 | $1,530/mo | $66,000/yr |
| 10% (+PMI) | $19,400 | $1,460/mo | $63,000/yr |
| 20% | $38,800 | $1,230/mo | $53,000/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 41095
At about $204 per square foot, here is roughly how much home different budgets get you in ZIP 41095:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 740 sq ft | below the local median — condos, smaller or older homes |
| $200k | 980 sq ft | around the typical home here |
| $250k | 1230 sq ft | around the typical home here |
| $300k | 1470 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1960 sq ft | above the median — larger homes or the pricier ZIPs |
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 41095 home.
Estimate a specific home in 41095
The estimator below is pre-set to ZIP 41095 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Warsaw ZIP codes by home value
Where 41095 sits among Warsaw’s 3 ZIP codes:
ZIP 41095 home prices: frequently asked
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See the full Warsaw 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.