Elkhart County, Indiana: What It Costs to Buy a Home
The median home in Elkhart County is worth $194,400, property taxes on it run about $1,592 a year (0.82%), the FHA loan limit is $541,287. Each number below opens its own page with the source and a calculator.
| Median home value | $194,400 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,592 a year, 0.82% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Indiana | Indiana transfer tax page → |
| Area median income (HUD, family of 4) | $89,900; low-income limit $71,900 | Income limits page → |
Frequently asked questions
How much do homes cost in Elkhart County?
The median owner-occupied home in Elkhart County is valued at $194,400, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Elkhart County?
The median Elkhart County homeowner pays $1,592 a year in real estate taxes, about 0.82% of the median home value ($1,631 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Elkhart County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Elkhart County?
On the $194,400 median home: no transfer tax in Indiana, about $0 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Elkhart County?
HUD's FY 2026 median family income for Elkhart County (Elkhart-Goshen, IN MSA) is $89,900. A family of four counts as low income below $71,900 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Indiana counties
- DeKalb County $177,900
- Delaware County $127,600
- Dubois County $212,500
- Fayette County $114,800
- Floyd County $235,100
- Fountain County $133,200
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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