FairUpdated MAY 20, 2026

Hymera, IN

ZIP 47855·Sullivan County·Terre Haute, IN·835 residents·Median income $46,122·Leaning Seller

47855 · Hymera, IN has a HavenScore of 57 — fair on affordability and fundamentals, per the score.

Compare
57
▼ -5 / 90d#27/38 in INHavenScore
Rank

This ZIP has fewer than 5,000 residents, so it isn’t ranked against larger markets. The HavenScore is shown for reference.

Switch perspective

Overall view active — Equal weight across affordability, growth, risk, momentum.

Sub-scores below recompute with these weights

Affordability
72/100
Growth
36/100
Risk
63/100
Momentum
55/100
Livability
36/100
Score · trailing 12 mo
62 → 57
-5 points
30-day
-1
90-day
-5
1-yr
-5

Snapshot

Numbers at a glance

Median price
$75,398
Typical home value
YoY change
-21.11%
12-mo trailing
Price-to-income
1.6×
healthy <4.0×
Est. monthly
$466
PITI · 20% · 6.51%
Active listings
1
current count
Days on market
168
median DOM
Vacancy
12.8%
Above-average
Owner-occupied
64%
of homes
Denial rate
31.2%
Above-average
Lending activity
329
originations
Net migration
+2.5%
net inflow
Income inflow
$49k
average
Risk rating
Relatively Low
FEMA NRI
Pro featurefrom $25/mo

The score has more to say about this ZIP.

The score's read on falling-market signals: foreclosure starts, price-cut velocity, and DOM acceleration.

?? / 100 · 🔒 ProDown 21.1% YoY · Selling below ask · Forecast continuing · Credit tightening
  • Distress score with severity rating
  • Underlying signal breakdown
  • Price trend and forecast context
  • Refreshed monthly
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Composition

Pillars behind the score

Affordability

35% of score
72/100
Price-to-income
Healthy under 4×·ACS · ZHVI
🔒 Haven
Property tax rate
Annual, as % of value·Tax Foundation 2024
🔒 Haven
Median income
Household·Census ACS
🔒 Haven

Growth momentum

25% of score
36/100
12-month price change
Trailing year·Zillow ZHVI
🔒 Haven
12-month rent change
Trailing year·Zillow ZORI
🔒 Haven
Population
Estimated residents·Census ACS
🔒 Haven

Market risk

20% of score
63/100
Overvaluation
vs fundamentals·HavenScore composite
🔒 Haven
Active listings
Raw count — lower is tighter supply·Realtor.com
🔒 Haven
Price cuts
Share of listings·Realtor.com
🔒 Haven

Momentum

20% of score
55/100
Days on market
Median listing age·Realtor.com
🔒 Haven
Buyer / seller gauge
Market balance·HavenScore composite
🔒 Haven
Demand dial
Composite demand signal·HavenScore composite
🔒 Haven

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Signals

What's driving this score

Top 6 of 14 signals
Tailwinds4
  • Affordable vs. income
    1.6× income — below the national median
  • Strong migration inflow
    +2.5% net — people moving in
  • Growing population
    +11.9% annual growth
  • Limited new supply
    Only 0.2 permits per 1,000 — supply constrained
Headwinds2
  • Declining prices
    -21.1% year-over-year
  • Slow-moving market
    168 days on market — homes sitting longer
Buyer / seller gauge

Market conditions

Leaning Seller

Conditions tightening in sellers' favor. Sign in to save this ZIP and track how the score moves.

+21
Strong buyerBalancedStrong seller

Pulse

What's changed in the last 90 days

🔒 Haven
Steady

Median price

0.9%$75k

Change vs. prior 90 days · arrow shows direction, not whether it’s good or bad

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Metrics

The raw numbers

Median Home Value

$75,398

▼ -21.11% YoY
Median Rent

—

Active Inventory

1

Days on Market

168 days

Price Cuts

0.00%

Price-to-Income

1.6×

Median Income

$46,122

Population

835

Overvaluation

+7.24%

Trend

Where it's been

Historical Trends

Updated May 2026

🔒 Haven
—————
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Forecast

Where it's heading

The HavenScore Forecast Model (v1) projects this ZIP’s median value at 3-, 6-, and 12-month horizons, with 80% prediction intervals.

Price Forecast

12-month projection · 80% calibrated interval

🔒 Haven
—————
Free · 3 mo  |  Haven · 12 mo →
3-month
🔒 Haven
6-month
🔒 Haven
12-month
🔒 Haven
12-month forecast + confidence intervals + AI-explained drivers unlock with Haven

Forecasts are the model’s projection, not a prediction. Actuals will differ.

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Payment

What you'd owe each month

Est. monthly payment
$466/ mo

20% down · 30-yr fixed · 6.51% · tax 0.84%

Principal$54
Interest$327
Property tax$53
Insurance$31
Rent vs buy

Rent data isn’t published for this ZIP, so we can’t compute a rent-vs-buy gap.

Decide

Run the numbers

Cost of ownership over time

Cumulative housing cost, interest paid, and equity built · 10% down · ZIP median income $46,122

1-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
5-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven
30-year
Total housing cost
🔒 Haven
Interest paid
🔒 Haven
Principal paid
🔒 Haven
Equity built
🔒 Haven

Equity assumes flat home value; real appreciation could push it higher · Rate 6.51%

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Haven featurefrom $8/mo

The score has more to say about this ZIP.

A list-timing recommendation for sellers — buyer/seller gauge, recent signals, and a polished PDF. Switch to Seller view to generate it.

Report sections · Haven

Buyer / Seller gauge🔒 Haven
Market state callout🔒 Haven
Recent direction in seller-relevant signals🔒 Haven
Net proceeds estimator🔒 Haven
Methodology summary🔒 Haven
  • List-timing recommendation
  • Metro and ZIP context
  • Polished PDF layout
  • Refreshed monthly
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Pro featurefrom $25/mo

The score has more to say about this ZIP.

A four-page editorial PDF: market summary, full pillar breakdown, 5-year history with forecast, alternatives, and a 30-year cost-of-ownership table.

HavenScore Report47855Market AnalysisGENERATED FOR PRO MEMBERS78PILLAR BREAKDOWNHAVENSCORE.APP · PRO REPORT🔒 Pro
  • Branded PDF with all metrics
  • Includes forecast + scorecards
  • Suitable for client presentations
  • Unlimited exports
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Comparable ZIPs

Same shape, lower entry

ZIPs the score groups near 47855 on Affordability and Growth — sorted by lowest median value.

ZIP 46407
Gary
IN
58
$60,433-4.25%
ZIP 46402
Gary
IN
56
$70,529-0.10%
ZIP 47382
Saratoga
IN
62
$71,846+1.08%

Sources

Every number, traced

Every metric above is sourced from public datasets, normalized against the national ZIP distribution. Home values and rents refresh monthly; demographics refresh annually.

Zillow Research
Home values, rents, inventory, transactions
Realtor.com
Inventory, days on market, price-cut share
Redfin
Sale prices, transaction volume
US Census ACS
Income, population, vacancy, cost burden
Freddie Mac PMMS
Current 30-year fixed mortgage rates
FHFA HPI
Long-term price trends
HUD Small Area FMR
Per-ZIP fair market rents (rural fallback)
BEA & IRS
Personal income growth, net migration
Lending & accessibility
Lending and neighborhood-access signals

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