White County, Indiana home prices
Typical home $227,574 · +4.5% in a year · property tax 0.54%
The typical home in White County is worth $227,574, 12% less than the Indiana typical home ($257,165). Values changed +4.5% in the past year and +32.1% over five years. Homeowners here pay a median 0.54% of their home's value in property tax each year ($1,233 on the typical home), versus 0.74% statewide.
Mortgage on the typical White County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $45,515 | $182,059 | $1,225 | $0 | $217 | $1,441 | $61,800 |
| 10% down | $22,757 | $204,817 | $1,378 | $85 | $217 | $1,680 | $72,000 |
| 5% down | $11,379 | $216,195 | $1,454 | $90 | $217 | $1,761 | $75,500 |
| 3.5% down (FHA) | $7,965 | $223,452 | $1,503 | $101 | $217 | $1,820 | $78,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.54% 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 |
|---|---|---|---|
| Marion County | $227,822 | -0.8% | 0.91% |
| Montgomery County | $226,785 | +4.4% | 0.65% |
| Warren County | $229,621 | +3.5% | 0.5% |
| Jackson County | $225,472 | +1.6% | 0.49% |
| Saint Joseph County | $230,569 | +6.5% | 0.86% |
| Clinton County | $224,260 | +6.8% | 0.6% |
| Jennings County | $222,973 | +5.8% | 0.6% |
| Starke County | $222,883 | +6.0% | 0.61% |
| Spencer County | $232,771 | +3.9% | 0.62% |
| Daviess County | $233,087 | +8.2% | 0.69% |
Frequently asked questions
What is the average home price in White County, IN?
The typical home value in White County is $227,574 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in White County?
About $61,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in White County?
The median effective rate is 0.54% of home value a year (Census ACS 2024 5-year estimates).