Saint Joseph County, Indiana home prices
Typical home $230,569 · +6.5% in a year · property tax 0.86%
The typical home in Saint Joseph County is worth $230,569, 10% less than the Indiana typical home ($257,165). Values changed +6.5% in the past year and +40.5% over five years. Homeowners here pay a median 0.86% of their home's value in property tax each year ($1,991 on the typical home), versus 0.74% statewide.
Mortgage on the typical Saint Joseph County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $46,114 | $184,455 | $1,241 | $0 | $281 | $1,522 | $65,200 |
| 10% down | $23,057 | $207,512 | $1,396 | $86 | $281 | $1,764 | $75,600 |
| 5% down | $11,528 | $219,040 | $1,473 | $91 | $281 | $1,846 | $79,100 |
| 3.5% down (FHA) | $8,070 | $226,393 | $1,523 | $102 | $281 | $1,906 | $81,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.86% 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 South Bend metro area.
Indiana counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Warren County | $229,621 | +3.5% | 0.5% |
| Spencer County | $232,771 | +3.9% | 0.62% |
| Daviess County | $233,087 | +8.2% | 0.69% |
| Marion County | $227,822 | -0.8% | 0.91% |
| White County | $227,574 | +4.5% | 0.54% |
| Montgomery County | $226,785 | +4.4% | 0.65% |
| Posey County | $234,428 | +0.6% | 0.62% |
| Owen County | $234,540 | +4.6% | 0.66% |
| Jackson County | $225,472 | +1.6% | 0.49% |
| Clinton County | $224,260 | +6.8% | 0.6% |
Frequently asked questions
What is the average home price in Saint Joseph County, IN?
The typical home value in Saint Joseph County is $230,569 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Joseph County?
About $65,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Joseph County?
The median effective rate is 0.86% of home value a year (Census ACS 2024 5-year estimates).