Floyd County, Indiana home prices
Typical home $285,954 · +2.7% in a year · property tax 0.69%
The typical home in Floyd County is worth $285,954, 11% more than the Indiana typical home ($257,165). Values changed +2.7% in the past year and +23.8% over five years. Homeowners here pay a median 0.69% of their home's value in property tax each year ($1,978 on the typical home), versus 0.74% statewide.
Mortgage on the typical Floyd County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,191 | $228,764 | $1,539 | $0 | $308 | $1,847 | $79,100 |
| 10% down | $28,595 | $257,359 | $1,731 | $107 | $308 | $2,146 | $92,000 |
| 5% down | $14,298 | $271,657 | $1,827 | $113 | $308 | $2,248 | $96,400 |
| 3.5% down (FHA) | $10,008 | $280,775 | $1,889 | $126 | $308 | $2,323 | $99,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.69% 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.
Indiana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Whitley County | $284,103 | +4.8% | 0.7% |
| Ohio County | $282,157 | +3.4% | 0.61% |
| Warrick County | $291,696 | +4.1% | 0.67% |
| Franklin County | $292,357 | +4.3% | 0.59% |
| Kosciusko County | $293,218 | +6.8% | 0.6% |
| Ripley County | $278,212 | +4.9% | 0.56% |
| Tippecanoe County | $296,588 | +2.4% | 0.62% |
| Putnam County | $274,190 | +4.9% | 0.48% |
| Bartholomew County | $274,111 | +2.5% | 0.75% |
| Morgan County | $299,883 | +1.8% | 0.49% |
Frequently asked questions
What is the average home price in Floyd County, IN?
The typical home value in Floyd County is $285,954 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Floyd County?
About $79,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Floyd County?
The median effective rate is 0.69% of home value a year (Census ACS 2024 5-year estimates).