How much house can I afford on $70,000 in Indiana?
About $251,000 with 20% down ($200,000 with an FHA loan), using Indiana's 0.74% property tax rate.
That is $5,762 less than the typical Indiana home ($257,165), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,353 principal and interest, $155 property tax and $126 insurance.
Counties in Indiana you can afford on $70,000
57 of 92 counties have a typical home value at or below $251,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Adams County | $251,184 | +7.2% | 0.77% |
| Lake County | $250,943 | +2.0% | 0.92% |
| Tipton County | $249,148 | +4.2% | 0.65% |
| Shelby County | $244,636 | +1.1% | 0.66% |
| Carroll County | $242,285 | +5.6% | 0.56% |
| Jefferson County | $237,972 | +4.6% | 0.64% |
| Owen County | $234,540 | +4.6% | 0.66% |
| Posey County | $234,428 | +0.6% | 0.62% |
| Daviess County | $233,087 | +8.2% | 0.69% |
| Spencer County | $232,771 | +3.9% | 0.62% |
| Saint Joseph County | $230,569 | +6.5% | 0.86% |
| Warren County | $229,621 | +3.5% | 0.5% |
| Marion County | $227,822 | -0.8% | 0.91% |
| White County | $227,574 | +4.5% | 0.54% |
| Montgomery County | $226,785 | +4.4% | 0.65% |
| Jackson County | $225,472 | +1.6% | 0.49% |
| Clinton County | $224,260 | +6.8% | 0.6% |
| Jennings County | $222,973 | +5.8% | 0.6% |
| Starke County | $222,883 | +6.0% | 0.61% |
| Parke County | $221,877 | +7.4% | 0.49% |
| Newton County | $221,831 | +3.1% | 0.77% |
| Washington County | $217,713 | +3.0% | 0.63% |
| Rush County | $216,930 | +3.3% | 0.65% |
| Fulton County | $212,557 | +7.7% | 0.54% |
| Huntington County | $211,741 | +5.0% | 0.71% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.74% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Indiana
Frequently asked questions
How much house can I afford on $70,000 in Indiana?
About $251,000 with 20% down at 7.11%, keeping the payment (with Indiana's 0.74% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Indiana?
Not the typical home: the typical Indiana home is worth $257,165 (Zillow, September 2026) and $70,000 supports about $251,000. 57 of 92 counties are within budget.