In Brazil, a typical home is worth $113,900 and typical rent is $869 a month. Compared with all of Clay County, typical household income is 26% lower, the typical home value is 26% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $144,042 to $191,862.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Brazil is in Clay 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 Clay County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Linton, the typical home value is $86,000: 24% less than in Brazil ($113,900).
2
The typical household income in Brazil is $52,055,26% less than in Clay County as a whole ($70,010).
3
The typical home in Brazil is worth $113,900,26% less than in Clay County as a whole ($153,000).
4
Brazil has the 8th smallest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (36%).
5
73% of households in Brazil own their home, against 81% in Clay County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Brazil
What homes there are in Brazil, 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
Brazil
Clay County
Indiana
United States
Kind of home: Brazil and its comparisons
Measure
Brazil
Clay County
Indiana
United States
Detached house
75%
81%
73%
61%
Attached house
Unreliable estimate
Unreliable estimate
4%
6%
Building of 2 to 4
Unreliable estimate
2%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
13%
19%
Mobile home
8%
10%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Brazil, 7 in 10 homes are single-family detached houses; in Clay County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Brazil
Clay County
Indiana
United States
Year built: Brazil and its comparisons
Measure
Brazil
Clay County
Indiana
United States
Before 1960
49%
38%
31%
26%
1960–1979
18%
21%
24%
24%
1980–1999
18%
22%
23%
25%
2000–2009
Unreliable estimate
13%
12%
14%
2010 or later
Unreliable estimate
6%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K42%
$100K–$200K43%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Brazil and its comparisons
Measure
Brazil
Under $100K
42%
$100K–$200K
43%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99961%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Brazil and its comparisons
Measure
Brazil
Under $500
Unreliable estimate
$500–$999
61%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,074 a month
Clay County: $1,207 a month
Without a mortgage
$380 a month
Clay County: $412 a month
Owners with a mortgage
63%
Clay County: 62%
In Brazil, 63% of owners have a mortgage, and their typical cost is $1,074 a month, against $1,207 in Clay County. Without one it drops to $380.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Brazil+37%
Clay County+51%
Indiana+54%
United States+53%
Typical rent
BrazilNo clear change
Clay County+30%
Indiana+29%
United States+33%
Typical household income
BrazilNo clear change
Clay County+26%
Indiana+28%
United States+29%
Change since 2015–2019: Brazil and its comparisons
Measure
Brazil
Clay County
Indiana
United States
Typical home value
+37%
+51%
+54%
+53%
Typical rent
No clear change
+30%
+29%
+33%
Typical household income
No clear change
+26%
+28%
+29%
Homes in Brazil gained value more slowly than in Clay County: 37% since 2015–2019, against 51%.
The typical rent in Brazil stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Brazil and its comparisons
Measure
Brazil
Clay County
Indiana
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
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
2.27
2.46
2.46
2.53
Drive alone
80%
81%
76%
69%
Carpool
16%
12%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
5%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Brazil has 2.27 people, fewer than in Clay County (2.46).
Carpooling is common in Brazil: 16% of workers get to work that way, against 12% in Clay County.
Do the math
What would you pay each month for a home in Brazil?
A typical home is within reach of the typical income
We start with a typical home in Brazil, worth $113,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Brazil, which is $52,055 a year.
The calculator's FHA and conventional loan limits are those of all of Clay 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 Brazil. 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 $3,987 (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
$909
at 7.18% · 30 years
Loan amount
$111,836
Total interest
$160,906
Paid off in
November 2056
Includes $1,923 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,215 a month
Your payment · 21%
Tight
$1,215 to $1,562 a month
Hard
more than $1,562 a month
Compared with the typical household income in Brazil ($52,055 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$758
Property tax
$53
Home insurance
$48
FHA mortgage insurance (MIP)
$50
You need at least $3,987 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 $909; principal and interest $758.
The city and its county
Brazil and Clay County
Brazil is in Clay 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).
Brazil
Map of Clay County, Indiana, with Brazil marked. Around it, the neighboring counties.
Brazil
Clay County
Other cities with a page
Brazil's own numbers
Typical home value
$113,900
Typical monthly rent
$869
Typical yearly household income
$52,055
Households that own their home
73%
Effective property tax rate
0.56%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clay County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,164
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
1.7%
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 Clay County.
A typical home in Brazil is worth $113,900: 26% below the county and 48% below Indiana. With the typical household income in Brazil ($52,055 a year), a typical home costs 2.2 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.
Brazil2.2 years
Clay2.2 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clay County
According to FHFA’s house price index, home prices in Clay County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clay County.
Yearly change in FHFA’s price index in Clay County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +3.1% +3.1% 2017
2018: +1.4% +1.4% 2018
2019: +3.6% +3.6% 2019
2020: +5.4% +5.4% 2020
2021: +9.6% +9.6% 2021
2022: +13.5% +13.5% 2022
2023: +15.1% +15.1% 2023
2024: +12.4% +12.4% 2024
2025: +2.0% +2.0% 2025
Change in FHFA’s price index in Clay County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+2.0%
+4.3%
+2.9%
5 years (2020–2025)
+64%
+53%
+47%
10 years (2015–2025)
+92%
+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
Brazil next to Clay 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
Brazil$113,900
Clay$153,000
Indiana$218,200
United States$332,700
Typical monthly rent
Brazil$869
Clay$873
Indiana$1,062
United States$1,413
Typical yearly household income
Brazil$52,055
Clay$70,010
Indiana$71,957
United States$80,734
See the full table
Brazil next to Clay County and Indiana
Measure
Brazil
Clay County
Indiana
U.S.
Typical home value
$113,900 ▼26% below the county
$153,000
$218,200
$332,700
Typical monthly rent
$869
$873
$1,062
$1,413
Typical yearly household income
$52,055 ▼26% below the county
$70,010
$71,957
$80,734
Households that own their home
73% ▼8 points below the county
81%
71%
65%
Typical yearly property tax
$634
$627
$1,614
$3,119
Effective property tax rate
0.56% ▲0.15 points above the county
0.41%
0.74%
0.94%
Renters with high rent for their income
36% ▲4 points above the county
32%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clay 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 Brazil
For a typical $113,900 home in Brazil, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Brazil's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$909a month
Least cash to close
Down payment
$3,987
Cash to close
$7,404
Rate
7.18%
Mortgage insurance
FHA MIP · $50
Conventional, 5% down$888a month
Down payment
$5,695
Cash to close
$9,112
Rate
7.18%
Mortgage insurance
PMI · $54
Conventional, 20% down, no PMI$718a month
Down payment
$22,780
Cash to close
$26,197
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$823a month
Down payment
$17,085
Cash to close
$20,502
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Brazil
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$909
$3,987
$111,837
7.18%
FHA MIP · $50
$7,404
580
Conventional, 5% down
$888
$5,695
$108,205
7.18%
PMI · $54
$9,112
620*
Conventional, 20% down, no PMI
$718
$22,780
$91,120
7.18%
None
$26,197
620*
ITIN, 15% down (example)
$823
$17,085
$96,815
8.18%
None
$20,502
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 Brazil is $869 a month: about the same as the county. In Brazil, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clay County, by unit size. To pay the 2-bedroom one ($1,164 a month) without spending more than 30% of your income, you would need to earn $22.38 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 Clay County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$890
$17.12
$35,600
1 bedroom
$896
$17.23
$35,840
2 bedrooms
$1,164
$22.38
$46,560
3 bedrooms
$1,387
$26.67
$55,480
4 bedrooms
$1,610
$30.96
$64,400
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 Brazil
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Brazil is in ZIP code 47834.
For 2 bedrooms it is $1,130: $34 less than the fair market rent for Clay County ($1,164).
Fair market rent by ZIP code and size in Brazil, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
47834
$860
$870
$1,130
$1,350
$1,560
ZIP code2 bd3 bd
47834 $1,130$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Brazil 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 3 buildings with rents for lower incomes in Brazil. These are the largest.
Cooper Towers120 W Jackson St, Brazil 47834300 homes, 288 low-income · Run by Brazil Housing Authority · Average payment: $368 a month · Average wait: 8 months(812) 446-2517
Lamplight Manor of Brazil650 E Pinckley St, Brazil 4783440 low-income homes · 1 bd: 10 · 2 bd: 30 · In service since 2010 · For families
Village Apts of Brazil1011 S Forest Ave, Brazil 4783432 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 1992
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 Clay 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 Brazil or Clay County. The ones below are statewide in Indiana: they work in Brazil 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 Brazil or Clay 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 Brazil and all of Clay 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 Brazil?
The typical home value in Brazil is $113,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clay County it is $153,000.
How much does it cost to rent in Brazil?
Typical rent in Brazil is $869 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clay County is $1,164.
What is the FHA loan limit in Brazil?
Brazil uses the FHA limit for all of Clay 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 Brazil?
The typical homeowner in Brazil pays $634 a year, according to the U.S. Census Bureau. That is 0.56% of the home’s value; in Clay County, the rate is 0.41%.
Where can I find free help to buy or rent in Brazil?
We found no HUD-approved counseling agencies with an office in Clay County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
