How much house can I afford on $80,000 in Indiana?
About $287,000 with 20% down ($229,000 with an FHA loan), using Indiana's 0.74% property tax rate.
That is $30,153 more than the typical Indiana home ($257,165), so a $80,000 salary can buy a typical home here. The payment of $1,867 covers $1,546 principal and interest, $177 property tax and $144 insurance.
Counties in Indiana you can afford on $80,000
75 of 92 counties have a typical home value at or below $287,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Floyd County | $285,954 | +2.7% | 0.69% |
| Whitley County | $284,103 | +4.8% | 0.7% |
| Ohio County | $282,157 | +3.4% | 0.61% |
| Ripley County | $278,212 | +4.9% | 0.56% |
| Putnam County | $274,190 | +4.9% | 0.48% |
| Bartholomew County | $274,111 | +2.5% | 0.75% |
| Harrison County | $266,960 | +3.7% | 0.53% |
| Elkhart County | $266,459 | +5.5% | 0.82% |
| Dubois County | $266,447 | +5.6% | 0.66% |
| Marshall County | $265,595 | +7.0% | 0.66% |
| Clark County | $265,250 | +1.8% | 0.77% |
| Switzerland County | $259,924 | +6.9% | 0.45% |
| La Porte County | $258,616 | +4.3% | 0.77% |
| Noble County | $257,549 | +4.6% | 0.67% |
| Decatur County | $256,719 | +5.2% | 0.62% |
| De Kalb County | $256,368 | +6.8% | 0.62% |
| Allen County | $254,595 | +3.5% | 0.79% |
| Wells County | $253,270 | +5.8% | 0.54% |
| 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% |
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 $80,000 in Indiana?
About $287,000 with 20% down at 7.11%, keeping the payment (with Indiana's 0.74% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Indiana?
Yes: the typical Indiana home is worth $257,165 (Zillow, September 2026) and $80,000 supports about $287,000. 75 of 92 counties are within budget.