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City · 10,752 residents · Johnson County, Indiana

Bargersville , Indiana

In Bargersville, a typical home is worth $438,900 and typical rent is $1,379 a month. Compared with all of Johnson County, the typical home value is 54% higher and typical household income is 26% higher.

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  • Typical home value

    $438,900

    54% above the county

    101% above Indiana

    • Bargersville
    • Johnson
    • Indiana

  • Typical rent

    $1,379a month

    8% above the county

    30% above Indiana

    • Bargersville
    • Johnson
    • Indiana

  • Typical household income

    $114,231a year

    26% above the county

    59% above Indiana

    • Bargersville
    • Johnson
    • Indiana

  • Households that own their home

    73%

    1 points above the county

    3 points above Indiana

    • Bargersville
    • Johnson
    • Indiana

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$454,353
3.6% more than 12 months ago
Typical rent
$1,641 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bargersville is in Johnson 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 Johnson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bargersville apart

What this place has that others do not, from public data, most unusual first.

  1. Bargersville has the 3rd highest typical home value of the 134 cities in Indiana with more than 5,000 people ($438,900).

  2. Nearby, in Mooresville, the typical home value is $206,400: 53% less than in Bargersville ($438,900).

  3. Bargersville has the 4th largest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (72%).

  4. The typical household income in Bargersville is $114,231, 26% more than in Johnson County as a whole ($90,454).

  5. Nearby, in Mooresville, the typical rent is $1,089: 21% less than in Bargersville ($1,379).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bargersville

What homes there are in Bargersville, 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

The detached house rules in Bargersville: 83% of homes, more than in Johnson County (77%).

Year built

Here half of the homes date from 2005 or later; in Johnson County, from 1993 or later.

Homes in Bargersville are bigger: 78% have 3 bedrooms or more; in Johnson County, 73%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,317 a month

Johnson County: $1,583 a month

Without a mortgage

$668 a month

Johnson County: $564 a month

Owners with a mortgage

81%

Johnson County: 70%

The typical cost for an owner with a mortgage in Bargersville is $2,317 a month, more than in Johnson County ($1,583); without one, $668.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Bargersville gained value faster than in Johnson County: 100% against 73%.

The typical rent in Bargersville stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBargersvilleJohnson CountyIndianaUnited States
Rental vacancy Unreliable estimate5.8%5.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.6%1.8%3.4%
People per household 2.862.612.462.53
Drive alone 69%77%76%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 25%14%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Bargersville are bigger: 2.86 people on average; in Johnson County, 2.61.

Many people here do not commute at all: 25% work from home; in Johnson County, 14%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Bargersville?

A typical home costs more than the typical income allows

We start with a typical home in Bargersville, worth $438,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Bargersville, which is $114,231 a year. For that payment to be 28% of income, a household would need to earn about $153,188 a year.

The calculator's FHA and conventional loan limits are those of all of Johnson County.

Your numbers

Local data
$

Starts at the typical home value in Bargersville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,362 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,574

at 7.18% · 30 years

Loan amount
$430,950
Total interest
$620,036
Paid off in
November 2056

Includes $7,412 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,665 a month

  • Tight

    $2,665 to $3,427 a month

  • Hard

    more than $3,427 a month

    Your payment · 38%

Compared with the typical household income in Bargersville ($114,231 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,574
Principal & interest$2,919
Property tax$278
Home insurance$183
FHA mortgage insurance (MIP)$194

You need at least $15,362 for the down payment, plus closing costs.

Next step

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.

The city and its county

Bargersville and Johnson County

Bargersville is in Johnson 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).

Bargersville's own numbers

Typical home value
$438,900
Typical monthly rent
$1,379
Typical yearly household income
$114,231
Households that own their home
73%
Effective property tax rate
0.76%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Johnson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,536
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.7%

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 Johnson County.

Everything about Johnson County

Buying

Buying a home in Bargersville

A typical home in Bargersville is worth $438,900: 54% above the county and 101% above Indiana. With the typical household income in Bargersville ($114,231 a year), a typical home costs 3.8 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.

  • Bargersville 3.8 years
  • Johnson 3.1 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnson County

According to FHFA’s house price index, home prices in Johnson County rose 105% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Johnson County.

Period County Indiana U.S.
Last year (2025) +4.8% +4.3% +2.9%
5 years (2020–2025) +56% +53% +47%
10 years (2015–2025) +105% +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

Bargersville next to Johnson 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
  • Bargersville $438,900
  • Johnson $284,600
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Bargersville $1,379
  • Johnson $1,271
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Bargersville $114,231
  • Johnson $90,454
  • Indiana $71,957
  • United States $80,734
See the full table
Bargersville next to Johnson County and Indiana
Measure Bargersville Johnson County Indiana U.S.
Typical home value $438,900 $284,600 $218,200 $332,700
Typical monthly rent $1,379 $1,271 $1,062 $1,413
Typical yearly household income $114,231 $90,454 $71,957 $80,734
Households that own their home 73% 73% 71% 65%
Typical yearly property tax $3,344 $2,024 $1,614 $3,119
Effective property tax rate 0.76% 0.71% 0.74% 0.94%
Renters with high rent for their income 72% 43% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson 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 Bargersville

For a typical $438,900 home in Bargersville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bargersville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,574a month

    Least cash to close
    Down payment
    $15,362
    Cash to close
    $28,529
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $194

  • Conventional, 5% down $3,494a month

    Down payment
    $21,945
    Cash to close
    $35,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $208

  • Conventional, 20% down, no PMI $2,839a month

    Down payment
    $87,780
    Cash to close
    $100,947
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,245a month

    Down payment
    $65,835
    Cash to close
    $79,002
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bargersville and for Johnson County.

Property tax

Effective rate in Bargersville

0.76%of the home’s value each year

$3,344 a year for the typical owner in Bargersville.

  • Bargersville 0.76%
  • Johnson 0.71%
  • Indiana 0.74%

What Indiana publishes Homestead standard deduction: the amount drops each year (Indiana Department of Local Government Finance (DLGF), Form HC10)

Exemptions and deadlines in Indiana

Flood risk in Johnson County

FEMA does not publish these numbers by city: they are for all of Johnson County.

Homes in the high-risk zone
2.7%
1,476
Of those, with NFIP insurance
18%
County Indiana U.S.
Homes in the high-risk zone 2.7% 2.3% 3.5%
Of those, with NFIP insurance 18% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bargersville

Typical rent in Bargersville is $1,379 a month: 8% above the county. In Bargersville, 72% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,536 a month) without spending more than 30% of your income, you would need to earn $29.54 an hour working full time.

HUD fair market rent for all of Johnson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,187 $22.83 $47,480
1 bedroom $1,336 $25.69 $53,440
2 bedrooms $1,536 $29.54 $61,440
3 bedrooms $1,991 $38.29 $79,640
4 bedrooms $2,425 $46.63 $97,000

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 Bargersville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bargersville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,870 in 46143 to $2,040 in 46106.

2 of the 2 are above the fair market rent for Johnson County ($1,536).

  • 46106 $2,040$2,640
  • 46143 $1,870$2,420

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bargersville 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Bargersville

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 Johnson County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Bargersville

No down payment, repair or rent-help program on our list is for Bargersville or Johnson County. The ones below are statewide in Indiana: they work in Bargersville the same as in the rest of the state.

Which programs do I qualify for? All programs in Indiana

  • Next Home

    Statewide in Indiana

    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).

    Type not stated

    See the program Official page

  • First Step

    Statewide in Indiana

    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).

    Deferred

    See the program Official page

Housing counselors near Bargersville

The HUD-approved agencies closest to the center of Bargersville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Intend Indiana, Inc

    1704 Bellefontaine St, Indianapolis · 17 miles away · Spanish

    • Pre-purchase counseling
    • Homebuyer education workshops
    (317) 924-8116

  • Indianapolis Neighborhood Housing Partnership

    2690 N Meridian St, Indianapolis · 18 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (317) 610-4663

  • Indianapolis Neighborhood Housing Partnership Homeownership Center at Glendale

    2960 N Meridian St, Indianapolis · 19 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (317) 610-4663

All counseling agencies in Indiana

Help in Spanish near Bargersville

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bargersville

HUD lists no housing authority with an office in Johnson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Indiana Source: HUD

Cities

Other cities in Johnson County

These cities are also in Johnson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Johnson County Housing in Indiana

Nearby cities

The cities closest to Bargersville, with the typical home value.

Neighboring counties

If Johnson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bargersville.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Bargersville

Short answers with the numbers for Bargersville and all of Johnson 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 Bargersville?

The typical home value in Bargersville is $438,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $284,600.

How much does it cost to rent in Bargersville?

Typical rent in Bargersville is $1,379 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,536.

What is the FHA loan limit in Bargersville?

Bargersville uses the FHA limit for all of Johnson 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 Bargersville?

The typical homeowner in Bargersville pays $3,344 a year, according to the U.S. Census Bureau. That is 0.76% of the home’s value; in Johnson County, the rate is 0.71%.

Where can I find free help to buy or rent in Bargersville?

We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).