TrueAffordHome Affordability by State
What can you afford in Indiana?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Indiana's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Indiana's effective property tax rate is around 0.76% of home value per year — the 23rd lowest in the country. Average homeowner's insurance runs near $2,244/year on a $300,000 home — the 26th highest.
Comfortable
$253,862
Stretch
$316,333
Risky ceiling
$354,565
A lender would likely approve up to $354,565 on this baseline in Indiana — but this household's own budget, once real expenses are counted, can only sustain $316,333. That $38,232 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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