The story of this market
The typical home in Howard County, Indiana sells for about $195,000, or $118 per square foot.
Prices are up +8.3% from a year ago, so sellers still have some momentum. Homes take about 43 days to sell. Over the long run, values in this county have grown 92% since 2000. Last year 19 of 20 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,179 a month.
HUD sets the fair market rent for a 2-bedroom at $1,179 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+5%
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 (+17%). Worst: 2010 (-5.9%). 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
$1,420
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
+5%
2025 change
FHFA repeat-sales index, median of 20 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
34
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $23,438,753.
Mortgage activity
Home lending in this county
81.8%
2019 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 3783 | 2087 | 79.3% | 3.9% | $115,000 |
| 2019 | 3967▲ | 2287▲ | 81.8%▲ | 5.4%▲ | $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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Howard County, Indiana
Howard County is experiencing steady price appreciation with an 8.3% year-over-year increase in median sale prices. While inventory levels are rising, the market remains competitive with a moderate pace of sales. Buyers are finding more options as active listings grow, though price growth persists.
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 corroborated by the published ten-year series (2026) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 3 cities · 5 ZIP reports
Median prices moved up 5.0% year over year.
Homes spend a median of 47 days on market with 2.5 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 98.88% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 12.4% — a stable, low-distress profile.
Deterministic aggregate of 3 researched ZIP reports of 5 — 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.
Howard 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 7.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
researched Sep 22
| 46901 | Kokomo | $160,000 | $121 | +4.8% | 47 | 100% | — | 2.5 | 190 | $887 | researched Sep 22 |
| 46902 | Kokomo | $227,000 | $116 | +19.5% | 41 | — | — | — | 50 | $955 | researched Sep 22 |
| 46936 | Greentown | $265,000 | $145 | +34.9% | 35 | 98.5% | 12% | 2.1 | 28 | $941 | researched Sep 22 |
| 46957 | Matthews | $128,635 | — | +6.6% | — | — | — | — | — | $1,029 | researched Sep 22 |
| 46979 | Russiaville | $213,500 | $115 | +3.2% | 42 | 98.5% | 12% | 3.6 | 18 | $760 | 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.
- Koteewi Run Seasonal Slopes4.424.5 mi
- Marion Splash House4.325.8 mi
- Moonshot Games4.728.5 mi
- Kokomo Beach Family Aquatic Center4.52.4 mi
- Chuck E. Cheese4.11.8 mi
- Droplight Grand Park Sports Campus4.626.6 mi
- Dull's Tree Farm and Pumpkin Harvest4.827.5 mi
- Morse Park & Beach4.526.2 mi
- Purgatory Golf Club4.525.8 mi
- Urban Vines Winery & Brewery4.729.6 mi
- AMC CLASSIC Kokomo 124.31.7 mi
- Highland Park4.61.5 mi
- Kokomo Beach Family Aquatic Center4.52.4 mi
- Grissom Air Museum4.815.3 mi
- Miami State Recreation Area4.619.7 mi
- Nickel Plate Express4.427.7 mi
- Honeywell Center4.829 mi
- Grissom Air Museum4.815.3 mi
- France Park Waterfall4.627.5 mi
- Historic Potter's Covered Bridge4.726.9 mi
- Highland Park4.61.5 mi
- Miami State Recreation Area4.619.7 mi
- Jackson Morrow Park4.60.9 mi
- Foster Park4.52.5 mi
- Wildcat Creek Reservoir Park4.56 mi
- Morse Lake Marina4.325.1 mi
- Red Bridge Marina4.520.4 mi
- SpeedWorx Marine - Docks & Lifts4.924.8 mi
- Wildcat Creek Golf Course4.41.9 mi
- Chippendale Golf Course4.52.9 mi
- Kokomo Country Club4.61.2 mi
- Tipton Municipal Golf Course4.212.9 mi
- Ralphy's Pizza - Golf & Bowling4.50.3 mi
- Wilson Farm Market4.719.9 mi
- Meijer4.32.5 mi
- Markland Mall4.22.2 mi
- Rural King4.40.4 mi
- Kohl's4.22 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
Retrieved from data.census.gov
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.
Indiana requires a judicial foreclosure process, meaning lenders must file a lawsuit in court to obtain a foreclosure decree.
Indiana Code 32-30-10.
Property is assessed at 100% of true tax value, determined by market-based assessment systems and annual adjustments.
Indiana Code 6-1.1-4.
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.
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.
≈ $1,950/yr on a $195,000 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.