In Cicero, a typical home is worth $282,100 and typical rent is $737 a month. Compared with all of Hamilton County, typical rent is 53% lower, typical household income is 45% lower, and the share of households that own their home is 9 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $325,432 to $409,903.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cicero is in Hamilton 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 Hamilton County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical rent in Cicero is $737 a month, 53% less than in Hamilton County as a whole ($1,574).
2
Nearby, in Tipton, the typical home value is $161,700: 43% less than in Cicero ($282,100).
3
Cicero has the 5th largest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (70%).
4
The typical household income in Cicero is $66,934,45% less than in Hamilton County as a whole ($121,530).
5
The typical home in Cicero is worth $282,100,30% less than in Hamilton County as a whole ($405,500).
6
85% of households in Cicero own their home, against 76% in Hamilton County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Cicero
What homes there are in Cicero, 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
Cicero
Hamilton County
Indiana
United States
Kind of home: Cicero and its comparisons
Measure
Cicero
Hamilton County
Indiana
United States
Detached house
75%
75%
73%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
15%
13%
19%
Mobile home
10%
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Cicero: 75% of homes, near the figure in Hamilton County (75%).
In Cicero there are many mobile homes: 10% of homes; in Hamilton County, 2%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cicero
Hamilton County
Indiana
United States
Year built: Cicero and its comparisons
Measure
Cicero
Hamilton County
Indiana
United States
Before 1960
Unreliable estimate
7%
31%
26%
1960–1979
37%
11%
24%
24%
1980–1999
29%
30%
23%
25%
2000–2009
18%
25%
12%
14%
2010 or later
Unreliable estimate
27%
10%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K25%
$300K–$500K33%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cicero and its comparisons
Measure
Cicero
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
25%
$300K–$500K
33%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cicero and its comparisons
Measure
Cicero
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,388 a month
Hamilton County: $2,133 a month
Without a mortgage
$707 a month
Hamilton County: $749 a month
Owners with a mortgage
64%
Hamilton County: 73%
Owning costs less in Cicero: with a mortgage, the typical cost is $1,388 a month; in Hamilton County, $2,133. Without one, $707.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cicero+91%
Hamilton County+54%
Indiana+54%
United States+53%
Typical rent
CiceroNo clear change
Hamilton County+34%
Indiana+29%
United States+33%
Typical household income
CiceroNo clear change
Hamilton County+24%
Indiana+28%
United States+29%
Change since 2015–2019: Cicero and its comparisons
Measure
Cicero
Hamilton County
Indiana
United States
Typical home value
+91%
+54%
+54%
+53%
Typical rent
No clear change
+34%
+29%
+33%
Typical household income
No clear change
+24%
+28%
+29%
Since 2015–2019, homes in Cicero gained value faster than in Hamilton County: 91% against 54%.
Rent in Cicero moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cicero and its comparisons
Measure
Cicero
Hamilton County
Indiana
United States
Rental vacancy
Unreliable estimate
6.6%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.8%
3.4%
People per household
2.19
2.64
2.46
2.53
Drive alone
78%
69%
76%
69%
Carpool
Unreliable estimate
6%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
19%
23%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Cicero are smaller: 2.19 people on average; in Hamilton County, 2.64.
To get to work, 78% of workers in Cicero drive alone; in Hamilton County, 69%.
Do the math
What would you pay each month for a home in Cicero?
A typical home costs more than the typical income allows
We start with a typical home in Cicero, worth $282,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Cicero, which is $66,934 a year. For that payment to be 28% of income, a household would need to earn about $97,956 a year.
The calculator's FHA and conventional loan limits are those of all of Hamilton 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 Cicero. 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 $9,874 (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
$2,286
at 7.18% · 30 years
Loan amount
$276,990
Total interest
$398,524
Paid off in
November 2056
Includes $4,764 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,562 a month
Tight
$1,562 to $2,008 a month
Hard
more than $2,008 a month
Your payment · 41%
Compared with the typical household income in Cicero ($66,934 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,876
Property tax
$167
Home insurance
$118
FHA mortgage insurance (MIP)
$125
You need at least $9,874 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 $2,286; principal and interest $1,876.
The city and its county
Cicero and Hamilton County
Cicero is in Hamilton 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).
Cicero
Map of Hamilton County, Indiana, with Cicero marked. Around it, the neighboring counties.
Cicero
Hamilton County
Other cities with a page
Cicero's own numbers
Typical home value
$282,100
Typical monthly rent
$737
Typical yearly household income
$66,934
Households that own their home
85%
Effective property tax rate
0.71%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hamilton 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)
+60%
Homes in a high flood-risk zone
1.1%
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 Hamilton County.
A typical home in Cicero is worth $282,100: 30% below the county and 29% above Indiana. With the typical household income in Cicero ($66,934 a year), a typical home costs 4.2 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.
Cicero4.2 years
Hamilton3.3 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hamilton County
According to FHFA’s house price index, home prices in Hamilton County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hamilton County.
Yearly change in FHFA’s price index in Hamilton County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: +4.8% +4.8% 2017
2018: +6.6% +6.6% 2018
2019: +5.8% +5.8% 2019
2020: +2.6% +2.6% 2020
2021: +11.6% +11.6% 2021
2022: +18.7% +18.7% 2022
2023: +9.9% +9.9% 2023
2024: +4.4% +4.4% 2024
2025: +4.8% +4.8% 2025
Change in FHFA’s price index in Hamilton County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+4.8%
+4.3%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+103%
+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
Cicero next to Hamilton 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
Cicero$282,100
Hamilton$405,500
Indiana$218,200
United States$332,700
Typical monthly rent
Cicero$737
Hamilton$1,574
Indiana$1,062
United States$1,413
Typical yearly household income
Cicero$66,934
Hamilton$121,530
Indiana$71,957
United States$80,734
See the full table
Cicero next to Hamilton County and Indiana
Measure
Cicero
Hamilton County
Indiana
U.S.
Typical home value
$282,100 ▼30% below the county
$405,500
$218,200
$332,700
Typical monthly rent
$737 ▼53% below the county
$1,574
$1,062
$1,413
Typical yearly household income
$66,934 ▼45% below the county
$121,530
$71,957
$80,734
Households that own their home
85% ▲9 points above the county
76%
71%
65%
Typical yearly property tax
$1,991 ▼44% below the county
$3,549
$1,614
$3,119
Effective property tax rate
0.71% ▼0.17 points below the county
0.88%
0.74%
0.94%
Renters with high rent for their income
70% ▲28 points above the county
42%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hamilton 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 Cicero
For a typical $282,100 home in Cicero, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cicero's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,286a month
Least cash to close
Down payment
$9,874
Cash to close
$18,337
Rate
7.18%
Mortgage insurance
FHA MIP · $125
Conventional, 5% down$2,234a month
Down payment
$14,105
Cash to close
$22,568
Rate
7.18%
Mortgage insurance
PMI · $134
Conventional, 20% down, no PMI$1,813a month
Down payment
$56,420
Cash to close
$64,883
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,074a month
Down payment
$42,315
Cash to close
$50,778
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cicero
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,286
$9,874
$276,990
7.18%
FHA MIP · $125
$18,337
580
Conventional, 5% down
$2,234
$14,105
$267,995
7.18%
PMI · $134
$22,568
620*
Conventional, 20% down, no PMI
$1,813
$56,420
$225,680
7.18%
None
$64,883
620*
ITIN, 15% down (example)
$2,074
$42,315
$239,785
8.18%
None
$50,778
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 Cicero is $737 a month: 53% below the county. In Cicero, 70% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hamilton 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hamilton County (Fiscal year 2027)
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 Cicero
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cicero is in ZIP code 46034.
For 2 bedrooms it is $1,410: $126 less than the fair market rent for Hamilton County ($1,536).
Fair market rent by ZIP code and size in Cicero, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
46034
$1,090
$1,230
$1,410
$1,830
$2,230
ZIP code2 bd3 bd
46034 $1,410$1,830
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cicero 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)
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 Hamilton 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 Cicero or Hamilton County. The ones below are statewide in Indiana: they work in Cicero 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 Cicero or Hamilton 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 Cicero and all of Hamilton 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 Cicero?
The typical home value in Cicero is $282,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $405,500.
How much does it cost to rent in Cicero?
Typical rent in Cicero is $737 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hamilton County is $1,536.
What is the FHA loan limit in Cicero?
Cicero uses the FHA limit for all of Hamilton 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 Cicero?
The typical homeowner in Cicero pays $1,991 a year, according to the U.S. Census Bureau. That is 0.71% of the home’s value; in Hamilton County, the rate is 0.88%.
Where can I find free help to buy or rent in Cicero?
We found no HUD-approved counseling agencies with an office in Hamilton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
