The story of this market
The typical home in St. Joseph County, Indiana sells for about $309,950, or $122 per square foot.
Prices are up +10.7% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. Over the long run, values in this county have grown 136% since 2000. Last year 46 of 64 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is cold wave, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,276 a month.
HUD sets the fair market rent for a 2-bedroom at $1,276 a month. FEMA's National Risk Index rates overall hazard risk here as Very Low.
Price climate
Every year of price change, 2000–2025
+4.1%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+16.1%). Worst: 2010 (-3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+4.7%
IN · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,545
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+4.1%
2025 change
FHFA repeat-sales index, median of 64 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
15
Very Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $60,199,118.
Mortgage activity
Home lending in this county
79%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 10829 | 6231 | 79% | 4.2% | $125,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
St. Joseph County, Indiana
The St. Joseph County housing market is showing signs of growth with median listing prices rising year-over-year. Inventory remains active, though days on market have fluctuated, reflecting a dynamic environment for buyers and sellers.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price diverges 29.1% from the nearest retained anchor (published ten-year series (2024)) — beyond the 12.5% tolerance; an automated validation case is open and the value publishes pending its verdict.
Select a city to expand its ZIP intel reports beneath · 11 cities · 19 ZIP reports
Median prices moved up 5.6% year over year.
Homes spend a median of 25 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 37.59% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) — a stable, low-distress profile.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 19 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
St. Joseph County, Indiana — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 0.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Sep 17, 2026.
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
| 46530 | Granger | $397,450 | $156 | -3.1% | 34 | — | — | — | 105 | $1,754 | researched Sep 22 |
| 46536 | Lakeville | $429,000 | $166 | +19.2% | 50 | 100% | — | — | 16 | $877 | researched Sep 22 |
| 46544 | Mishawaka | $212,000 | $133 | +3.1% | 16 | 100% | — | 1.7 | 96 | $1,012 | researched Sep 22 |
| 46545 | Mishawaka | $225,000 | $192 | +11.4% | 22 | — | — | — | 1,000 | $1,027 | researched Sep 22 |
| 46552 | New Carlisle | $320,000 | $142 | +16.3% | 42 | 98.5% | 12% | 3.2 | 18 | $1,043 | researched Sep 22 |
| 46554 | North Liberty | $270,000 | $135 | +3.4% | 46 | — | — | — | 14 | $960 | researched Sep 22 |
| 46556 | Notre Dame | — | — | 0% | — | — | — | — | — | $1,211 | researched Sep 22 |
| 46561 | Osceola | $318,450 | $201 | +3.4% | 35 | — | — | — | 37 | $1,199 | researched Sep 22 |
| 46574 | Walkerton | $225,000 | $135 | +16.9% | 44 | — | — | — | 52 | $791 | researched Sep 22 |
| 46601 | South Bend | $175,225 | $133 | +5% | 48 | 98.5% | 23.7% | 3.5 | 359 | $866 | researched Sep 22 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Indiana) — Ad Valorem Property Assessment: Property is assessed at 100% of true tax value, determined by market-based assessment systems and annual adjustments. State (Indiana) — Standard Homestead Deduction: Removes the first $45,000 of the homestead's assessed value from taxation. State (Indiana) — Indiana Property Tax Caps (Circuit Breaker): Limits annual property tax liability to 1% of gross assessed value for principal residences, 2% for other residential property, and 3% for non-residential property.
- Smiley's Space Themed Adventure Park4.310.2 mi
- Niles Scream Park4.413.9 mi
- Sky Zone Trampoline Park4.110 mi
- Amazing Acres4.523.6 mi
- Captain Mike's Fun Park4.523.9 mi
- Notre Dame Stadium4.87.5 mi
- Journeyman Distillery4.618.8 mi
- Elkhart County 4-H Fairgrounds4.527.6 mi
- Golden Corral Buffet & Grill410.1 mi
- Compton Family Ice Arena4.87.4 mi
- Potawatomi Zoo4.57 mi
- Potato Creek State Park4.76.2 mi
- Cinemark South Bend and SCREENX4.69 mi
- Journeyman Distillery4.618.8 mi
- Basilica of the Sacred Heart4.97.5 mi
- Indiana Dinosaur Museum4.25.9 mi
- RV/MH Hall of Fame4.624.7 mi
- Fernwood Botanical Garden4.716.7 mi
- Studebaker National Museum4.85.3 mi
- The Lerner Theatre4.719.4 mi
- Potato Creek State Park4.76.2 mi
- Fernwood Botanical Garden4.716.7 mi
- Howard Park4.76.1 mi
- Central Park4.68.7 mi
- Wellfield Botanic Gardens4.819.3 mi
- Oselka's Snug Harbor Marina4.524.4 mi
- Pine Lake Marina and Boat Rentals4.520.7 mi
- B & E Marine Inc.4.729.8 mi
- Boat Ramp Diamond Lake4.425.9 mi
- Wyland's Mishawaka Marina4.411.7 mi
- Swan Lake Resort4.516 mi
- Warren Golf Course4.68.4 mi
- Elbel Park Golf Course4.58.9 mi
- Knollwood Country Club4.411.8 mi
- Morris Park Country Club4.77.6 mi
- University Park Mall4.310.1 mi
- Meijer4.19.7 mi
- Meijer4.17.6 mi
- Meijer4.28.5 mi
- T.J. Maxx4.310.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Data retrieved from interactive-map-ai.com and FRED
Property is assessed at 100% of true tax value, determined by market-based assessment systems and annual adjustments.
Indiana Code 6-1.1-4.
Indiana requires a judicial foreclosure process, meaning lenders must file a lawsuit in court to obtain a foreclosure decree.
Indiana Code 32-30-10.
applies when — Applies to the sale, exchange, or installment contract of residential real estate containing not more than four dwelling units.
Requires the seller to complete a disclosure form regarding the condition of the property, subject to specific statutory exemptions (e.g., court-ordered transfers, foreclosures).
Indiana Code 32-21-5.
applies when — Property must be the taxpayer's principal place of residence.
Removes the first $45,000 of the homestead's assessed value from taxation.
Indiana Code 6-1.1-12-37.
Limits annual property tax liability to 1% of gross assessed value for principal residences, 2% for other residential property, and 3% for non-residential property.
Indiana Constitution Article X, Section 1; Indiana Code 6-1.1-20.6.
≈ $3,100/yr on a $309,950 median
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.