What income do you need to buy a house in Berne, IN?

It takes about $72,000/yr to afford the typical Berne, IN home ($260K, +6.5% past year) at today's rates. Starter homes run around $168K. See if you can afford a house in Berne (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $72,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, IN property tax and insurance)
• Typical home value: $260K (Zillow ZHVI, 2026-07)
• 1-year change: +6.5%
• Bottom 35% of homes: $168K
• Top 35% of homes start around: $491K
• Median household income: $62K
• Price-to-income ratio: 4.2
• Estimated payment on the typical home: $1,352/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Decatur, IN — typical home $238K
• Bluffton, IN — typical home $190K
• Portland, IN — typical home $170K
• Celina, OH — typical home $242K
• Van Wert, OH — typical home $186K
• Hartford City, IN — typical home $144K

The most affordable cities to buy a house in Indiana

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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