Mortgage Rates in Indiana — April 2026
Compare current mortgage rates across 75 cities in Indiana. The average 30-year fixed rate is 6.73%, which is 0.64% above the national average of 6.09%.
Indiana Housing Highlights
All 75 Cities in Indiana
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Indianapolis | 6.75% | $225,000 | $1,167 | 887,642 |
| Fort Wayne | 6.75% | $175,000 | $908 | 263,886 |
| Evansville | 6.75% | $145,000 | $752 | 117,979 |
| South Bend | 6.75% | $135,000 | $700 | 103,453 |
| Carmel | 6.75% | $415,000 | $2,153 | 99,757 |
| Fishers | 6.75% | $365,000 | $1,894 | 99,220 |
| Bloomington | 6.75% | $225,000 | $1,167 | 79,168 |
| Hammond | 6.78% | $230,000 | $1,197 | 77,879 |
| Lafayette | 6.75% | $195,000 | $1,012 | 70,373 |
| Noblesville | 6.75% | $345,000 | $1,790 | 69,604 |
| Gary | 6.87% | $231,000 | $1,213 | 69,093 |
| Muncie | 6.75% | $105,000 | $545 | 65,194 |
| Greenwood | 6.75% | $265,000 | $1,375 | 63,830 |
| Terre Haute | 6.75% | $115,000 | $597 | 58,389 |
| Kokomo | 6.75% | $115,000 | $597 | 58,066 |
| Anderson | 6.75% | $95,000 | $493 | 54,776 |
| Elkhart | 6.64% | $233,000 | $1,195 | 53,923 |
| West Lafayette | 6.73% | $207,000 | $1,072 | 49,668 |
| Jeffersonville | 6.75% | $174,000 | $903 | 49,447 |
| Mishawaka | 6.75% | $193,000 | $1,001 | 49,422 |
| Lawrence | 6.86% | $201,000 | $1,055 | 49,156 |
| Columbus | 6.74% | $179,000 | $928 | 48,820 |
| Westfield | 6.89% | $199,000 | $1,047 | 46,410 |
| Decatur | 6.81% | $165,000 | $861 | 46,066 |
| New Albany | 6.3% | $195,000 | $965 | 38,394 |
| Portage | 6.7% | $209,000 | $1,079 | 36,828 |
| Richmond | 6.81% | $195,000 | $1,018 | 35,720 |
| Merrillville | 6.78% | $201,000 | $1,046 | 35,028 |
| Plainfield | 6.61% | $275,000 | $1,406 | 34,744 |
| Goshen | 6.69% | $203,000 | $1,047 | 34,517 |
| Valparaiso | 6.15% | $255,000 | $1,243 | 33,815 |
| Crown Point | 6.86% | $179,000 | $939 | 33,143 |
| Michigan City | 6.02% | $175,000 | $841 | 31,479 |
| Granger | 6.74% | $200,000 | $1,037 | 30,833 |
| Fortville | 6.84% | $152,500 | $799 | 30,365 |
| Brownsburg | 6.13% | $305,000 | $1,483 | 30,308 |
| Zionsville | 6.55% | $445,000 | $2,261 | 30,213 |
| Schererville | 6.82% | $197,000 | $1,030 | 29,243 |
| Delphi | 6.71% | $275,000 | $1,421 | 29,006 |
| Knightstown | 6.64% | $220,000 | $1,129 | 28,793 |
| East Chicago | 6.83% | $201,000 | $1,052 | 28,215 |
| Hobart | 6.69% | $203,000 | $1,047 | 28,029 |
| Marion | 6.73% | $189,000 | $979 | 27,730 |
| Gas City | 6.7% | $235,000 | $1,213 | 26,986 |
| Flora | 6.76% | $235,000 | $1,221 | 26,233 |
| Franklin | 6.66% | $177,000 | $910 | 26,149 |
| Plymouth | 6.89% | $230,000 | $1,211 | 26,022 |
| North Manchester | 6.75% | $230,000 | $1,193 | 24,407 |
| Greenfield | 6.83% | $193,000 | $1,010 | 23,560 |
| Tipton | 6.61% | $225,000 | $1,151 | 23,125 |
| Highland | 6.76% | $169,000 | $878 | 22,900 |
| Avon | 6.51% | $295,000 | $1,493 | 22,263 |
| Covington | 6.83% | $182,500 | $955 | 22,045 |
| Clarksville | 6.82% | $180,000 | $941 | 21,724 |
| Seymour | 6.85% | $184,000 | $965 | 21,569 |
| Angola | 6.84% | $182,500 | $956 | 21,514 |
| La Porte | 6.89% | $193,000 | $1,016 | 21,507 |
| New Haven | 6.79% | $184,000 | $959 | 21,098 |
| Shelbyville | 6.89% | $172,000 | $905 | 19,191 |
| Brazil | 6.82% | $225,000 | $1,176 | 18,316 |
| New Castle | 6.63% | $183,000 | $938 | 17,655 |
| Logansport | 6.8% | $201,000 | $1,048 | 17,577 |
| Lebanon | 6.89% | $181,000 | $953 | 16,806 |
| Vincennes | 6.84% | $185,000 | $969 | 16,703 |
| Crawfordsville | 6.62% | $204,000 | $1,044 | 16,497 |
| Frankfort | 6.88% | $202,000 | $1,062 | 16,422 |
| Jasper | 6.72% | $185,000 | $957 | 15,610 |
| Beech Grove | 6.78% | $199,000 | $1,036 | 15,000 |
| Bedford | 6.6% | $181,000 | $925 | 13,602 |
| Connersville | 6.87% | $178,000 | $935 | 13,481 |
| Madison | 6.87% | $187,000 | $982 | 11,811 |
| Washington | 6.66% | $179,000 | $920 | 11,325 |
| Peru | 6.88% | $180,000 | $946 | 11,324 |
| Yorktown | 6.83% | $175,000 | $915 | 11,000 |
| Tell City | 6.88% | $162,000 | $852 | 7,272 |
Indiana Mortgage Rates Guide — 2026
Indiana homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $206,407. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,068.
The most affordable city for homebuyers in Indiana is Anderson, where the median home price is $95,000. On the other end, Zionsville has the highest prices at $445,000. Property tax rates across the state average 0.85%.
To comfortably afford a home at the state average price, a household income of approximately $45,771 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Indiana Mortgages
What are current mortgage rates in Indiana?
As of April 2026, the average 30-year fixed mortgage rate in Indiana is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Indiana?
The median home price across 75 cities in Indiana is $206,407. Prices range from $95,000 in Anderson to $445,000 in Zionsville.
How much income do I need to buy a house in Indiana?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $45,771 to comfortably afford the average home in Indiana. The median household income in the state is approximately $55,478.
Indiana Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Indiana. Rates can vary by neighborhood based on local property values and lending conditions.
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