Adams County, Indiana home prices
Typical home $251,184 · +7.2% in a year · property tax 0.77%
The typical home in Adams County is worth $251,184, 2% less than the Indiana typical home ($257,165). Values changed +7.2% in the past year and +44.9% over five years. Homeowners here pay a median 0.77% of their home's value in property tax each year ($1,933 on the typical home), versus 0.74% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,237 | $200,947 | $1,352 | $0 | $287 | $1,638 | $70,200 |
| 10% down | $25,118 | $226,066 | $1,521 | $94 | $287 | $1,902 | $81,500 |
| 5% down | $12,559 | $238,625 | $1,605 | $99 | $287 | $1,991 | $85,300 |
| 3.5% down (FHA) | $8,791 | $246,634 | $1,659 | $111 | $287 | $2,057 | $88,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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.
What it takes: see what you can afford by salary in Indiana · part of the Decatur metro area.
Indiana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lake County | $250,943 | +2.0% | 0.92% |
| Tipton County | $249,148 | +4.2% | 0.65% |
| Wells County | $253,270 | +5.8% | 0.54% |
| Allen County | $254,595 | +3.5% | 0.79% |
| De Kalb County | $256,368 | +6.8% | 0.62% |
| Decatur County | $256,719 | +5.2% | 0.62% |
| Noble County | $257,549 | +4.6% | 0.67% |
| Shelby County | $244,636 | +1.1% | 0.66% |
| La Porte County | $258,616 | +4.3% | 0.77% |
| Switzerland County | $259,924 | +6.9% | 0.45% |
Frequently asked questions
What is the average home price in Adams County, IN?
The typical home value in Adams County is $251,184 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $70,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 0.77% of home value a year (Census ACS 2024 5-year estimates).