Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$227,574+4.5% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 20% have cut their price
Income needed to buy, per year$49,333About 0.7× the local median income ($68,828): affordable for a typical household
Days on market78 daysSlower than a year ago: buyers have time to negotiate
The typical home in White County, IN is worth $227,574, up 4.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $185,206, so the area is 22.9% overvalued. It is a balanced market: homes take about 78 days to sell, listings are up 12% from a year ago, 20% of listings have had a price cut. A household needs about $49,333 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 $68,828. In the latest IRS figures, 15 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
$227,574
Change in 1 year
+4.5%
Overvalued %
+22.9%
Show 6 more
Fair home value
$185,206
Change in 5 years
+32.1%
Home value to income
3.3×
Monthly mortgage payment (20% down)
$1,233
Income needed to afford it
$49,333
Property tax rate
0.54%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,134
Market activity
Listings vs a year ago
+12.2%
Days on market
78
Listings with a price cut
19.6%
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Homes for sale
101
Pending sales per 100 listings
29
Asking price per sq ft
$173
People and jobs
Median household income
$68,828
Population change (1 year)
−0.0%
Unemployment rate
3.5%
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Population
25,164
Income adjusted for cost of living
$77,596
Net moves in (IRS)
+15
Cost of living (US = 100)
88.7
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
38.5
Flood risk score
48.6
Show 3 more
Wildfire risk score
7.4
Walkability (1 to 20)
5.5
Road, rail and air noise
54 dB
Questions people ask
Is White County, IN overvalued?
Home prices in White County, IN are well above what local incomes have historically supported: fair value is about $185,206, so the area is 22.9% overvalued.
Is White County, IN a buyer's or seller's market?
White County, IN is a balanced market: homes take about 78 days to sell, listings are up 12% from a year ago, 20% of listings have had a price cut.
Are home prices going down in White County, IN?
Home values in White County, IN are up 4.5% over the last year.
How much do you need to earn to buy a home in White County, IN?
A household needs about $49,333 a year to afford the typical home in White County, IN at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $68,828.