White County, IN Average Home Price (2026)
The average home price in White County, Indiana is about $211,500 (the 2026 median across 8 ZIP codes, at ~$134/sq ft) — 10% more affordable than the Indiana median and 27% more affordable than the typical U.S. home.
How White County compares
White County is relatively affordable for housing nationally: its typical home costs $211,500 against $234,000 for Indiana and $289,000 for the U.S. Within the county, ZIP-level values run from about $183,000 to $246,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| White County | $211,500 | $134 |
| Indiana | $234,000 | $154 |
| United States | $289,000 | $193 |
White County home prices by ZIP code
The 8 most valuable ZIP codes in White County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 47923 Brookston | $246,000 | $179 | +16% |
| 47960 Monticello | $241,000 | $211 | +14% |
| 47929 Chalmers | $223,000 | $124 | +5% |
| 47995 Wolcott | $221,000 | $99 | +4% |
| 47980 Reynolds | $202,000 | $116 | -4% |
| 47926 Burnettsville | $196,000 | $136 | -7% |
| 47950 Idaville | $196,000 | $131 | -7% |
| 47959 Monon | $183,000 | $217 | -13% |
Home value appreciation in White County
Home prices in White County have risen about 92% over the last 10 years (≈6.8% a year) and +102.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.5% — roughly flat. A home worth $211,500 today was worth roughly $110,042 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Indiana is +94.5% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for White County
Run the numbers for White County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in White County
To buy the typical $211,500 home in White County with 20% down, you need a household income of roughly $58,000 a year (about $1,340 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $68,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,600 | $1,670/mo | $72,000/yr |
| 10% (+PMI) | $21,200 | $1,600/mo | $68,000/yr |
| 20% | $42,300 | $1,340/mo | $58,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in White County
At about $134 per square foot, here is roughly how much home different budgets get you in White County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1120 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1490 sq ft | around the typical home here |
| $250k | 1870 sq ft | around the typical home here |
| $300k | 2240 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2990 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Indiana.
Estimate a specific home in White County
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White County home prices: frequently asked
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Browse all Indiana cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.