Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$237,972+4.6% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$51,587About 0.7× the local median income ($70,467): affordable for a typical household
Days on market60 daysSlower than a year ago: buyers have time to negotiate
The typical home in Jefferson County, IN is worth $237,972, up 4.6% from a year ago. That is well above what local incomes have historically supported: fair value is about $199,027, so the area is 19.6% overvalued. It is a balanced market: homes take about 60 days to sell, listings are up 28% from a year ago, 16% of listings have had a price cut. A household needs about $51,587 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,467. Typical rent is $1,250 a month. In the latest IRS figures, 144 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$237,972
Change in 1 year
+4.6%
Overvalued %
+19.6%
Show 6 more
Fair home value
$199,027
Change in 5 years
+38.2%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,290
Income needed to afford it
$51,587
Property tax rate
0.64%
Rent and investing
Typical rent
$1,250
Price-to-rent ratio
15.9×
HUD Fair Market Rent, 2 bedrooms
$1,041
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Gross rental yield
6.30%
Cap rate (estimate)
4.10%
Market activity
Listings vs a year ago
+27.6%
Days on market
60
Listings with a price cut
16.0%
Show 3 more
Homes for sale
125
Pending sales per 100 listings
28
Asking price per sq ft
$182
People and jobs
Median household income
$70,467
Population change (1 year)
+0.7%
Unemployment rate
4.4%
Show 4 more
Population
33,279
Income adjusted for cost of living
$79,444
Net moves in (IRS)
+144
Cost of living (US = 100)
88.7
Schools, risk and environment
School rating (1 to 10)
5.8
FEMA hazard risk score (0 to 100)
48.3
Flood risk score
55.9
Show 3 more
Wildfire risk score
9.4
Walkability (1 to 20)
6.0
Road, rail and air noise
54 dB
Questions people ask
Is Jefferson County, IN overvalued?
Home prices in Jefferson County, IN are well above what local incomes have historically supported: fair value is about $199,027, so the area is 19.6% overvalued.
Is Jefferson County, IN a buyer's or seller's market?
Jefferson County, IN is a balanced market: homes take about 60 days to sell, listings are up 28% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Jefferson County, IN?
Home values in Jefferson County, IN are up 4.6% over the last year.
How much do you need to earn to buy a home in Jefferson County, IN?
A household needs about $51,587 a year to afford the typical home in Jefferson County, IN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $70,467.