Counties / Indiana / Fulton County

Fulton County, IN

FIPS 18049 · population 20,312 · outside every metro area

$213k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$213k
▲ 6.7% year over year
Zillow ZHVI · direct
ACS median gross rent
$839
occupied-unit survey; not current asking rent
Census ACS · surveyed
Gross yield
n/a
gross yield cannot be computed without measured market rent
requires both measured price and measured rent
HUD 2-bed standard
$962
the Section 8 payment standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+61.2%not annualized · through 2025
0%ZILLOW ZHVI2026-06+6.7%FHFA HPI2025+5.2%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$157k
Surveyed gross rent$839
Rent burden 30%+40.6%
Median year built1966
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
16.0%vacant
9,584estimated housing units
Occupied tenure19.9% renter
owner 80.1%renter 19.9%
Structure mix80.6% single-family
Single-family 80.6%20+ units 0.5%Mobile home 11.6%Other 7.2%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs6,276▼ 0.8% from the prior annual release
Covered establishments476annual average reporting locations
Average weekly wage$978▲ 4.8% from the prior annual release
Largest private supersectorManufacturing32.4% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS−0.8%WEEKLY WAGE+4.8%Manufacturing32.4%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Fulton County presents a price-validation-versus-cash-flow problem: its $213,114 Zillow median home value is higher year over year, while the FHFA repeat-transaction HPI rose 5.20% in its supplied annual period and 61.16% over five years. These measures point in the same direction but have different supplied periods and methods, and the HPI is not a home value. Buyers able to verify rents and property condition should investigate; cash-flow-led underwriting should remain cautious.

02Housing economics

No county market rent is published, so gross yield cannot be computed from the home value. The supplied two-bedroom HUD FMR is a payment standard, not measured asking rent, and cannot substitute for it. The effective property-tax rate is 0.54%, with $844 median annual tax, but neither figure captures a particular parcel's assessment, insurance, maintenance or flood-related cost. That leaves price-to-rent and full carrying-cost coverage unresolved.

03Demand & competition

At Realtor.com's supplied MLS inventory observation, median listing price fell 8.88% year over year; active listings increased, median marketing time was 61 days, and 14.48% of listings had price reductions. Together these are visible-supply and seller-concession evidence worth testing against a target property's segment. They are asking-price, active-listing and marketing-time measures—not closed-sale prices—and do not independently prove buyer demand. The record therefore does not establish whether a purchase faces broad bidding pressure or a localized markdown.

04Risk & next checks

Migration is nearly balanced at net 1 household, yet incoming movers' average AGI exceeds outgoing movers' by $5,361; that mix is too thin to establish durable renter depth. Investor purchases were 6 of 227 total purchases, or 2.64%, indicating limited recorded non-occupant mortgage participation rather than an absence of competition. QCEW reports 6,276 annual average covered jobs at county workplaces, down 0.79%; Manufacturing is the largest disclosed private supersector, not the whole economy, resident employment or a forecast. Inland flood is the dominant hazard, and the modeled annual building-value loss ratio is 0.09%; it is county-level rather than property-specific. Next checks are market rents, lease-up, closed sales, parcel tax and insurance, and flood-zone and loss history; without them, cash flow, exit pricing and hazard-adjusted carrying costs cannot be concluded.

Cities & communities

Where people live within Fulton County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Rochester city6.2KAkron town954Kewanna town533Nyona Lake CDP389Fulton town256Leiters Ford CDP183Lake Bruce CDP*163Talma CDP150
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

8 Census places

Population
  1. 01
    Rochester cityIncorporated place
    6,215
  2. 02
    Akron townIncorporated place
    954
  3. 03
    Kewanna townIncorporated place
    533
  4. 04
    Nyona Lake CDPCensus-designated place
    389
  5. 05
    Fulton townIncorporated place
    256
  6. 06
    Leiters Ford CDPCensus-designated place
    183
  7. 07
    Lake Bruce CDPCensus-designated place · spans 2 counties
    163
  8. 08
    Talma CDPCensus-designated place
    150

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.091% of building value expected lost per year

Effective property tax0.54%

$844 median annual bill

02
DemandIRS SOI household flows
Net migration+1

508 in · 507 out

Arriving vs leaving income+$5,361

$48,856 arriving · $43,495 leaving

03
CompetitionHMDA financed purchases
Purchases by investors2.6%

6 of 227 mortgages

investorother financed
Current listing pressure

What sellers and visible supply are doing

Realtor.com® Economic Research · county inventory 2026-06 · pulled 2026-07-28
Active listings51▲ 12.2% year over year
Median days on market61▼ 21.9% year over year
Listings price-reduced14.5%seller-concession signal
Median listing pricen/a▼ 8.9% year over year

Listing price is an asking price, not a closed sale. Quality-flagged county rows are withheld instead of displayed.

No rent index is published for this county.Zillow’s county rent series does not cover every county, and estimating one from a neighbouring county would be a guess wearing a number’s clothes. Everything above is measured here; no wider market is mapped for it either.
Bear case

What can break the county thesis

  1. Unpublished market rents, lease terms and operating expenses could overturn any cash-flow conclusion.
  2. Countywide flood-loss modeling may miss a parcel's flood zone, insurance burden and claims exposure.
  3. MLS indicators and county migration or workplace data may not reflect the target property's buyer or tenant pool.
Underwriting questions

Before pricing a property

Can this record produce a gross yield?

No. Published county market rent is absent, and HUD FMR cannot replace it.

Do the Realtor.com figures establish a closed-sale price trend?

No. They are MLS listing-market measures of asking prices, visible inventory, marketing time and reductions.

Does the record provide parcel-specific flood underwriting?

No. It identifies inland flood and a county-level modeled loss ratio, not parcel flood-zone, insurance or claims data.