In Auburn, a typical home is worth $190,800 and typical rent is $865 a month. Compared with all of DeKalb County, typical household income is 8% lower and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $209,154 to $282,682.
Typical rent
$1,100a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Auburn is in DeKalb County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of DeKalb County. See the county
What this place has that others do not, from public data, most unusual first.
1
Auburn has the 6th smallest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (35%).
2
Nearby, in Kendallville, the typical home value is $133,200: 30% less than in Auburn ($190,800).
3
76% of households in Auburn own their home, against 82% in DeKalb County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Auburn
What homes there are in Auburn, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Auburn
DeKalb County
Indiana
United States
Kind of home: Auburn and its comparisons
Measure
Auburn
DeKalb County
Indiana
United States
Detached house
71%
79%
73%
61%
Attached house
Unreliable estimate
1%
4%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
6%
13%
19%
Mobile home
9%
8%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Auburn (71%), but less so than in DeKalb County (79%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Auburn
DeKalb County
Indiana
United States
Year built: Auburn and its comparisons
Measure
Auburn
DeKalb County
Indiana
United States
Before 1960
33%
37%
31%
26%
1960–1979
17%
18%
24%
24%
1980–1999
27%
25%
23%
25%
2000–2009
13%
13%
12%
14%
2010 or later
10%
8%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K41%
$200K–$300K29%
$300K–$500K15%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Auburn and its comparisons
Measure
Auburn
Under $100K
14%
$100K–$200K
41%
$200K–$300K
29%
$300K–$500K
15%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 99% of owner-occupied homes in Auburn are worth less than $500,000, below the FHA loan limit for DeKalb County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,49917%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Auburn and its comparisons
Measure
Auburn
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
17%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,030 a month
DeKalb County: $1,207 a month
Without a mortgage
$420 a month
DeKalb County: $439 a month
Owners with a mortgage
65%
DeKalb County: 64%
Owning costs less in Auburn: with a mortgage, the typical cost is $1,030 a month; in DeKalb County, $1,207. Without one, $420.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Auburn+59%
DeKalb County+56%
Indiana+54%
United States+53%
Typical rent
Auburn+22%
DeKalb County+23%
Indiana+29%
United States+33%
Typical household income
Auburn+37%
DeKalb County+32%
Indiana+28%
United States+29%
Change since 2015–2019: Auburn and its comparisons
Measure
Auburn
DeKalb County
Indiana
United States
Typical home value
+59%
+56%
+54%
+53%
Typical rent
+22%
+23%
+29%
+33%
Typical household income
+37%
+32%
+28%
+29%
The typical home value in Auburn rose 59% since 2015–2019, more than in DeKalb County (56%).
Rents in Auburn rose at about the same pace as in DeKalb County: 22% since 2015–2019, against 23%.
The typical household income in Auburn rose 37% over that time; home values changed +59% and rent +22%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Auburn and its comparisons
Measure
Auburn
DeKalb County
Indiana
United States
Rental vacancy
Unreliable estimate
13.9%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.8%
3.4%
People per household
2.37
2.53
2.46
2.53
Drive alone
81%
81%
76%
69%
Carpool
13%
11%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
4%
5%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.37 on average, against 2.53 in DeKalb County.
To get to work, 81% of workers in Auburn drive alone; in DeKalb County, 81%.
Do the math
What would you pay each month for a home in Auburn?
A typical home is within reach of the typical income
We start with a typical home in Auburn, worth $190,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Auburn, which is $68,750 a year.
The calculator's FHA and conventional loan limits are those of all of DeKalb County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Auburn. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,678 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,536
at 7.18% · 30 years
Loan amount
$187,344
Total interest
$269,544
Paid off in
November 2056
Includes $3,222 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,604 a month
Your payment · 27%
Tight
$1,604 to $2,063 a month
Hard
more than $2,063 a month
Compared with the typical household income in Auburn ($68,750 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,269
Property tax
$103
Home insurance
$80
FHA mortgage insurance (MIP)
$84
You need at least $6,678 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,536; principal and interest $1,269.
The city and its county
Auburn and DeKalb County
Auburn is in DeKalb County, Indiana. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Auburn
Map of DeKalb County, Indiana, with Auburn marked. Around it, the neighboring counties.
Auburn
DeKalb County
Other cities with a page
Auburn's own numbers
Typical home value
$190,800
Typical monthly rent
$865
Typical yearly household income
$68,750
Households that own their home
76%
Effective property tax rate
0.65%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of DeKalb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,023
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.4%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of DeKalb County.
A typical home in Auburn is worth $190,800: about the same as the county and 13% below Indiana. With the typical household income in Auburn ($68,750 a year), a typical home costs 2.8 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Auburn2.8 years
DeKalb2.6 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in DeKalb County
According to FHFA’s house price index, home prices in DeKalb County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of DeKalb County.
Yearly change in FHFA’s price index in DeKalb County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +4.8% +4.8% 2017
2018: +6.9% +6.9% 2018
2019: +4.6% +4.6% 2019
2020: +4.4% +4.4% 2020
2021: +11.5% +11.5% 2021
2022: +13.8% +13.8% 2022
2023: +13.4% +13.4% 2023
2024: +2.5% +2.5% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in DeKalb County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+6.4%
+4.3%
+2.9%
5 years (2020–2025)
+57%
+53%
+47%
10 years (2015–2025)
+99%
+95%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Auburn next to DeKalb County, Indiana and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Auburn$190,800
DeKalb$194,100
Indiana$218,200
United States$332,700
Typical monthly rent
Auburn$865
DeKalb$861
Indiana$1,062
United States$1,413
Typical yearly household income
Auburn$68,750
DeKalb$74,331
Indiana$71,957
United States$80,734
See the full table
Auburn next to DeKalb County and Indiana
Measure
Auburn
DeKalb County
Indiana
U.S.
Typical home value
$190,800
$194,100
$218,200
$332,700
Typical monthly rent
$865
$861
$1,062
$1,413
Typical yearly household income
$68,750 ▼8% below the county
$74,331
$71,957
$80,734
Households that own their home
76% ▼6 points below the county
82%
71%
65%
Typical yearly property tax
$1,238 ▲3% above the county
$1,205
$1,614
$3,119
Effective property tax rate
0.65% ▲0.03 points above the county
0.62%
0.74%
0.94%
Renters with high rent for their income
35% ▼5 points below the county
40%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below DeKalb County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Auburn
For a typical $190,800 home in Auburn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Auburn's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,536a month
Least cash to close
Down payment
$6,678
Cash to close
$12,402
Rate
7.18%
Mortgage insurance
FHA MIP · $84
Conventional, 5% down$1,501a month
Down payment
$9,540
Cash to close
$15,264
Rate
7.18%
Mortgage insurance
PMI · $91
Conventional, 20% down, no PMI$1,217a month
Down payment
$38,160
Cash to close
$43,884
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,393a month
Down payment
$28,620
Cash to close
$34,344
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Auburn
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,536
$6,678
$187,344
7.18%
FHA MIP · $84
$12,402
580
Conventional, 5% down
$1,501
$9,540
$181,260
7.18%
PMI · $91
$15,264
620*
Conventional, 20% down, no PMI
$1,217
$38,160
$152,640
7.18%
None
$43,884
620*
ITIN, 15% down (example)
$1,393
$28,620
$162,180
8.18%
None
$34,344
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Auburn is $865 a month: about the same as the county. In Auburn, 35% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of DeKalb County, by unit size. To pay the 2-bedroom one ($1,023 a month) without spending more than 30% of your income, you would need to earn $19.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in DeKalb County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$765
$14.71
$30,600
1 bedroom
$814
$15.65
$32,560
2 bedrooms
$1,023
$19.67
$40,920
3 bedrooms
$1,270
$24.42
$50,800
4 bedrooms
$1,344
$25.85
$53,760
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Auburn
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Auburn is in ZIP code 46706.
For 2 bedrooms it is $1,040: $17 more than the fair market rent for DeKalb County ($1,023).
Fair market rent by ZIP code and size in Auburn, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
46706
$780
$830
$1,040
$1,290
$1,370
ZIP code2 bd3 bd
46706 $1,040$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Auburn when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 5 buildings with rents for lower incomes in Auburn. These are the largest.
Wesley Park Apartments1304 Wesley Rd, Auburn 4670672 low-income homes · For older adults(260) 925-5464
Jerry Junction1250 Rohm Dr, Auburn 4670657 low-income homes · 2 bd: 12 · 3 bd: 39 · 4 bd: 6 · In service since 2008 · For people with disabilities, families, people experiencing homelessness
Hope's Landing100 S Duesenberg Dr, Auburn 4670648 low-income homes · 1 bd: 10 · 2 bd: 38 · In service since 2016 · For older adults
Indian Terrace Villas IV901 Martz Dr, Auburn 4670612 low-income homes · 2 bd: 12 · In service since 1993
Indian Terrace Villas V813 Martz Dr, Auburn 4670612 low-income homes · 2 bd: 12 · In service since 1993
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in DeKalb County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Auburn or DeKalb County. The ones below are statewide in Indiana: they work in Auburn the same as in the rest of the state.
Indiana state agency program with down payment assistance of 2.5% or 3.5% of the price, alongside a 30-year FHA or conventional mortgage.Offered by Indiana Housing and Community Development Authority (IHCDA).
Indiana state agency 30-year FHA or conventional mortgage for first-time buyers (or homes in designated areas), with down payment assistance as a second mortgage with no interest or payments, repaid when the first mortgage ends.Offered by Indiana Housing and Community Development Authority (IHCDA).
No legal help resource on our list is for Auburn or DeKalb County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Auburn and all of DeKalb County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Auburn?
The typical home value in Auburn is $190,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in DeKalb County it is $194,100.
How much does it cost to rent in Auburn?
Typical rent in Auburn is $865 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in DeKalb County is $1,023.
What is the FHA loan limit in Auburn?
Auburn uses the FHA limit for all of DeKalb County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Auburn?
The typical homeowner in Auburn pays $1,238 a year, according to the U.S. Census Bureau. That is 0.65% of the home’s value; in DeKalb County, the rate is 0.62%.
Where can I find free help to buy or rent in Auburn?
We found no HUD-approved counseling agencies with an office in DeKalb County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
