Housing decision brief
Jefferson County, IN Housing Market
Jefferson County screens as a higher purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
54th lowest home value out of 92 Indiana counties with data | 52nd lowest rent out of 92
Median home value
$180,600
Purchase-price signal from Census ACS.
Median rent
$865/mo
Gross rent, including utilities where reported.
Monthly owner cost
$866/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.0x
Median home value divided by local household income.
Rent burden
27.0%
Below 30% usually screens as less pressured.
Rent vs own
$1/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
27.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Lower income base
$59,987 median income is 10% below Indiana county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
Poor Fit For
- Households dependent on a deep local wage market
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Jefferson County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $180,600 | $171,400 | $281,900 | 5% pressure5% above Indiana county median |
Median gross rent Lower usually helps affordability. | $865 | $850 | $1,163 | Near state median2% above Indiana county median |
Monthly owner cost Lower usually helps affordability. | $866 | $898 | $1,672 | Near state median4% below Indiana county median |
Median household income | $59,987 | $66,674 | $74,755 | 10% pressure10% below Indiana county median |
Effective property-tax rate Lower usually helps affordability. | 0.66% | 1.00% | 1.02% | 34% favorable34% below Indiana county median |
Rent burden Lower usually helps affordability. | 27.00% | 26.00% | N/A | Near state median27.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$25,387
Median income minus rent threshold.
Owner cushion
+$22,873
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Jefferson County is affordable for renters, with a median gross rent of $865/month representing approximately 17.3% of median household income. The rent burden (GRAPI) stands at 27.0%.
Rent vs own
The median rent in Jefferson County is $865/month, while owner costs run $866/month. Renting saves approximately $1/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $34,600/year. For owner costs at the 28% rule, the required income is roughly $37,114/year. With a median household income of $59,987, most households can comfortably afford rent here. Notably, 27.0% of renter households in Jefferson County are cost-burdened, spending more than 30% of income on housing.
Regional context
Compared to Sullivan County where rent averages $813/month, Jefferson County is approximately 6% more expensive.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Carroll County, IN | $167,700 | $874/mo | Same-state comparison near $167,700 home value and $874/mo rent. |
| Owen County, IN | $162,400 | $912/mo | Same-state comparison near $162,400 home value and $912/mo rent. |
| Vanderburgh County, IN | $172,300 | $964/mo | Same-state comparison near $172,300 home value and $964/mo rent. |
| Adams County, IN | $173,100 | $799/mo | Same-state comparison near $173,100 home value and $799/mo rent. |
| Wells County, IN | $180,000 | $837/mo | Same-state comparison near $180,000 home value and $837/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Jefferson County
Is Jefferson County affordable for buying a home?
Is renting or owning cheaper in Jefferson County?
How much income do you need for housing in Jefferson County?
What should I double-check before moving to Jefferson County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.