Local costs · Indiana

What a home costs across Indiana

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Indiana, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $1,191 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Indiana charges no state transfer or recording tax on a home purchase.
Title insurance
Indiana uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Indiana income tax is modeled at about 2.89% effective for a married household at $100,000 (2.92% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 92 counties in Indiana

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Adams County0.77%$850–$1,900typical $1,310
Allen County0.79%$790–$1,750typical $1,210
Bartholomew County0.75%$880–$1,960typical $1,350
Benton County0.77%$820–$1,830typical $1,260
Blackford County0.81%$970–$2,160typical $1,490
Boone County0.78%$620–$1,390typical $960
Brown County0.44%$900–$2,000typical $1,380
Carroll County0.56%$810–$1,800typical $1,240
Cass County0.68%$730–$1,620typical $1,120
Clark County0.77%$860–$1,910typical $1,320
Clay County0.41%$830–$1,840typical $1,270
Clinton County0.60%$980–$2,180typical $1,500
Crawford County0.75%$940–$2,090typical $1,440
Daviess County0.69%$730–$1,620typical $1,120
Dearborn County0.73%$940–$2,090typical $1,440
Decatur County0.62%$970–$2,160typical $1,490
DeKalb County0.62%$850–$1,890typical $1,300
Delaware County0.74%$760–$1,700typical $1,170
Dubois County0.66%$670–$1,490typical $1,030
Elkhart County0.82%$650–$1,450typical $1,000
Fayette County0.73%$1,010–$2,250typical $1,550
Floyd County0.69%$860–$1,930typical $1,330
Fountain County0.59%$850–$1,890typical $1,300
Franklin County0.59%$980–$2,180typical $1,500
Fulton County0.54%$900–$2,020typical $1,390
Gibson County0.72%$640–$1,440typical $990
Grant County0.72%$950–$2,120typical $1,460
Greene County0.58%$790–$1,770typical $1,220
Hamilton County0.88%$900–$2,020typical $1,390
Hancock County0.66%$730–$1,640typical $1,130
Harrison County0.53%$840–$1,870typical $1,290
Hendricks County0.81%$820–$1,830typical $1,260
Henry County0.73%$990–$2,200typical $1,520
Howard County0.72%$860–$1,930typical $1,330
Huntington County0.71%$900–$2,020typical $1,390
Jackson County0.49%$860–$1,910typical $1,320
Jasper County0.46%$730–$1,620typical $1,120
Jay County0.60%$940–$2,090typical $1,440
Jefferson County0.64%$940–$2,090typical $1,440
Jennings County0.60%$940–$2,090typical $1,440
Johnson County0.71%$960–$2,150typical $1,480
Knox County0.68%$640–$1,420typical $980
Kosciusko County0.60%$850–$1,890typical $1,300
LaGrange County0.55%$870–$1,940typical $1,340
Lake County0.92%$700–$1,550typical $1,070
LaPorte County0.77%$770–$1,730typical $1,190
Lawrence County0.60%$810–$1,810typical $1,250
Madison County0.74%$730–$1,640typical $1,130
Marion County0.91%$640–$1,440typical $990
Marshall County0.66%$810–$1,810typical $1,250
Martin County0.54%$810–$1,800typical $1,240
Miami County0.60%$790–$1,750typical $1,210
Monroe County0.71%$580–$1,290typical $890
Montgomery County0.65%$630–$1,410typical $970
Morgan County0.49%$870–$1,940typical $1,340
Newton County0.77%$770–$1,730typical $1,190
Noble County0.67%$910–$2,030typical $1,400
Ohio County0.61%$950–$2,120typical $1,460
Orange County0.58%$920–$2,060typical $1,420
Owen County0.66%$800–$1,780typical $1,230
Parke County0.49%$890–$1,990typical $1,370
Perry County0.68%$1,010–$2,260typical $1,560
Pike County0.78%$780–$1,740typical $1,200
Porter County0.83%$730–$1,640typical $1,130
Posey County0.62%$790–$1,750typical $1,210
Pulaski County0.45%$780–$1,740typical $1,200
Putnam County0.48%$870–$1,940typical $1,340
Randolph County0.79%$920–$2,060typical $1,420
Ripley County0.56%$940–$2,100typical $1,450
Rush County0.65%$880–$1,970typical $1,360
Scott County0.65%$900–$2,020typical $1,390
Shelby County0.66%$950–$2,120typical $1,460
Spencer County0.62%$900–$2,000typical $1,380
St. Joseph County0.86%$610–$1,360typical $940
Starke County0.61%$750–$1,670typical $1,150
Steuben County0.57%$830–$1,860typical $1,280
Sullivan County0.61%$790–$1,750typical $1,210
Switzerland County0.45%$940–$2,090typical $1,440
Tippecanoe County0.62%$590–$1,320typical $910
Tipton County0.65%$970–$2,160typical $1,490
Union County0.64%$960–$2,130typical $1,470
Vanderburgh County0.80%$830–$1,860typical $1,280
Vermillion County0.69%$820–$1,830typical $1,260
Vigo County0.88%$740–$1,650typical $1,140
Wabash County0.52%$960–$2,130typical $1,470
Warren County0.50%$770–$1,730typical $1,190
Warrick County0.67%$820–$1,830typical $1,260
Washington County0.63%$900–$2,000typical $1,380
Wayne County0.81%$950–$2,120typical $1,460
Wells County0.54%$880–$1,970typical $1,360
White County0.54%$810–$1,800typical $1,240
Whitley County0.70%$850–$1,890typical $1,300

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.