County data
St. Joseph County, IN Mortgage Calculator
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- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
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St. Joseph County at a glance
Median home value
$192,800
Property tax rate
0.90%
Indiana: 0.78% · U.S.: 1.05%
Median income
$66,868
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$1,055
$154,240 loan at 7.28%, 30 years
Property tax
$145
0.90% of $192,800 a year
Together
$1,200
before insurance, HOA and PMI
Other large counties in Indiana
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| Marion County | $224,000 | 0.95% | $1,403 |
| Lake County | $230,600 | 0.99% | $1,452 |
| Allen County | $214,900 | 0.80% | $1,320 |
| Hamilton County | $405,500 | 0.87% | $2,514 |
| Elkhart County | $210,400 | 0.82% | $1,295 |
| Tippecanoe County | $239,300 | 0.63% | $1,435 |
| Hendricks County | $307,600 | 0.79% | $1,886 |
| Vanderburgh County | $184,000 | 0.80% | $1,130 |
Frequently asked questions
What is the property tax rate in St. Joseph County, IN?
Homeowners with a mortgage in St. Joseph County pay a median of $1,726 a year in property tax on a median home value of $192,800, an effective rate of 0.90%. That is above the Indiana figure of 0.78% and below the U.S. median of 1.05%. It ranks 6 of 92 counties in Indiana for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in St. Joseph County?
On a $192,800 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,055 a month and property tax about $145, so roughly $1,200 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $66,868 a year, so that payment is about 22% of it.
What is the conforming loan limit in St. Joseph County?
The 2026 one-unit conforming loan limit for St. Joseph County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.