Vera Cruz, IN population, income and ZIP codes

Vera Cruz town is a very small community in Indiana, with 29 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #946 of 976 ranked by population — larger than 3% of them. The median age here is 44.8 years against 39.1 nationally, a slightly older profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Vera Cruz town earn a median of $44,583 a year, 43.2% below the national figure of $78,538 and 28% below the $61,527 median for the 355 Indiana cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 3.4% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in Vera Cruz town is valued at $77,500, 74.5% below the national figure and 47% below the $145,600 peer median, while median gross rent runs $1,188 a month, 15.5% below the national figure, or roughly $14,256 across a full year. A household on the local median income would put about 32% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 1.7×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 57.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Vera Cruz town is the unusual combination of expensive to rent and cheap to buy: rent takes 32% of median income while homes cost only 1.7× it. Where that pattern shows up, the gap is normally down to down-payment and credit barriers rather than price. With 29 residents, a handful of survey responses moves every median on this page. Compare Vera Cruz town against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.