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City · 6,109 residents · Elkhart County, Indiana

Dunlap , Indiana

In Dunlap, a typical home is worth $222,200 and typical rent is $1,271 a month. Compared with all of Elkhart County, typical household income is 27% higher, typical rent is 21% higher, and the share of households that own their home is 24 points higher.

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  • Typical home value

    $222,200

    6% above the county

    About the same as Indiana

    • Dunlap
    • Elkhart
    • Indiana

  • Typical rent

    $1,271a month

    21% above the county

    20% above Indiana

    • Dunlap
    • Elkhart
    • Indiana

  • Typical household income

    $87,039a year

    27% above the county

    21% above Indiana

    • Dunlap
    • Elkhart
    • Indiana

  • Households that own their home

    96%

    24 points above the county

    25 points above Indiana

    • Dunlap
    • Elkhart
    • Indiana

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

Dunlap is in Elkhart 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 Elkhart County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Dunlap apart

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

  1. 96% of households in Dunlap own their home, against 72% in Elkhart County.

  2. Nearby, in Elkhart, the typical home value is $139,500: 37% less than in Dunlap ($222,200).

  3. Nearby, in Nappanee, the typical rent is $856: 33% less than in Dunlap ($1,271).

  4. The typical household income in Dunlap is $87,039, 27% more than in Elkhart County as a whole ($68,561).

  5. The typical rent in Dunlap is $1,271 a month, 21% more than in Elkhart County as a whole ($1,047).

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

The homes here

Housing in Dunlap

What homes there are in Dunlap, 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 Dunlap: 95% of homes, more than in Elkhart County (70%).

Year built

By age, homes in Dunlap look like those in Elkhart County: the typical year built is 1978.

In Dunlap, 84% of homes have 3 bedrooms or more, more than in Elkhart County (65%).

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

$1,426 a month

Elkhart County: $1,323 a month

Without a mortgage

$538 a month

Elkhart County: $500 a month

Owners with a mortgage

66%

Elkhart County: 63%

Owning costs more in Dunlap: with a mortgage, the typical cost is $1,426 a month; in Elkhart County, $1,323. Without one, $538.

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 Dunlap gained value faster than in Elkhart County: 55% against 46%.

Since 2015–2019, the typical rent in Dunlap rose 73%, more than in Elkhart County (29%).

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

MeasureDunlapElkhart CountyIndianaUnited States
Rental vacancy Unreliable estimate12.0%5.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.6%1.8%3.4%
People per household 2.912.832.462.53
Drive alone 75%74%76%69%
Carpool 11%16%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home 10%5%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Dunlap look like those in Elkhart County: 2.91 people on average.

Working from home is more common in Dunlap: 10%, against 5% in Elkhart County.

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 Dunlap?

A typical home is within reach of the typical income

We start with a typical home in Dunlap, worth $222,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Dunlap, which is $87,039 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Dunlap. 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 $7,777 (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

$1,836

at 7.18% · 30 years

Loan amount
$218,175
Total interest
$313,903
Paid off in
November 2056

Includes $3,752 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,031 a month

    Your payment · 25%

  • Tight

    $2,031 to $2,611 a month

  • Hard

    more than $2,611 a month

Compared with the typical household income in Dunlap ($87,039 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,836
Principal & interest$1,478
Property tax$167
Home insurance$93
FHA mortgage insurance (MIP)$98

You need at least $7,777 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

Dunlap and Elkhart County

Dunlap is in Elkhart 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).

Dunlap's own numbers

Typical home value
$222,200
Typical monthly rent
$1,271
Typical yearly household income
$87,039
Households that own their home
96%
Effective property tax rate
0.9%

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

Numbers for all of Elkhart County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,253
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
1.8%

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 Elkhart County.

Everything about Elkhart County

Buying

Buying a home in Dunlap

A typical home in Dunlap is worth $222,200: 6% above the county and about the same as Indiana. With the typical household income in Dunlap ($87,039 a year), a typical home costs 2.6 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.

  • Dunlap 2.6 years
  • Elkhart 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 Elkhart County

According to FHFA’s house price index, home prices in Elkhart County rose 99% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +5.8% +4.3% +2.9%
5 years (2020–2025) +53% +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

Dunlap next to Elkhart 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
  • Dunlap $222,200
  • Elkhart $210,400
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Dunlap $1,271
  • Elkhart $1,047
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Dunlap $87,039
  • Elkhart $68,561
  • Indiana $71,957
  • United States $80,734
See the full table
Dunlap next to Elkhart County and Indiana
Measure Dunlap Elkhart County Indiana U.S.
Typical home value $222,200 $210,400 $218,200 $332,700
Typical monthly rent $1,271 $1,047 $1,062 $1,413
Typical yearly household income $87,039 $68,561 $71,957 $80,734
Households that own their home 96% 72% 71% 65%
Typical yearly property tax $2,008 $1,717 $1,614 $3,119
Effective property tax rate 0.9% 0.82% 0.74% 0.94%

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

For a typical $222,200 home in Dunlap, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dunlap's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,836a month

    Least cash to close
    Down payment
    $7,777
    Cash to close
    $14,443
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $98

  • Conventional, 5% down $1,795a month

    Down payment
    $11,110
    Cash to close
    $17,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,463a month

    Down payment
    $44,440
    Cash to close
    $51,106
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,669a month

    Down payment
    $33,330
    Cash to close
    $39,996
    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 Dunlap and for Elkhart County.

Property tax

Effective rate in Dunlap

0.9%of the home’s value each year

$2,008 a year for the typical owner in Dunlap.

  • Dunlap 0.9%
  • Elkhart 0.82%
  • 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 Elkhart County

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

Homes in the high-risk zone
1.8%
1,257
Of those, with NFIP insurance
23%
County Indiana U.S.
Homes in the high-risk zone 1.8% 2.3% 3.5%
Of those, with NFIP insurance 23% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Dunlap

Typical rent in Dunlap is $1,271 a month: 21% above the county.

HUD publishes a fair market rent for all of Elkhart County, by unit size. To pay the 2-bedroom one ($1,253 a month) without spending more than 30% of your income, you would need to earn $24.10 an hour working full time.

HUD fair market rent for all of Elkhart 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 $1,008 $19.38 $40,320
1 bedroom $1,048 $20.15 $41,920
2 bedrooms $1,253 $24.10 $50,120
3 bedrooms $1,653 $31.79 $66,120
4 bedrooms $1,752 $33.69 $70,080

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 Dunlap

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

For 2 bedrooms it runs from $1,170 in 46517 to $1,230 in 46516.

None is above the fair market rent for Elkhart County ($1,253).

  • 46516 $1,230$1,620
  • 46517 $1,170$1,460

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dunlap 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 Dunlap

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.

There are 2 HUD-approved agencies with an office in Elkhart County; 2 say they serve in Spanish.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Dunlap

No down payment, repair or rent-help program on our list is for Dunlap or Elkhart County. The ones below are statewide in Indiana: they work in Dunlap 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 Dunlap

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

  • Lacasa of Goshen Inc - Branch Office

    516 S Main St, Elkhart · 4 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (574) 533-4450

  • Lacasa of Goshen, Inc.

    202 N Cottage Ave, Goshen · 6 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    574-533-4450x72

  • City of Gary Department of Community Development

    401 Broadway, Gary · 73 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (219) 881-5075

Every agency in Elkhart County All counseling agencies in Indiana

Help in Spanish near Dunlap

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 Dunlap

In HUD’s record, no housing authority with an office in Elkhart County is named for Dunlap or Elkhart County.

One other authority has an office in Elkhart County: see the list Source: HUD

Cities

Other cities in Elkhart County

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

Everything about Elkhart County Housing in Indiana

Nearby cities

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

Neighboring counties

If Elkhart 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 Dunlap.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Dunlap

Short answers with the numbers for Dunlap and all of Elkhart 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 Dunlap?

The typical home value in Dunlap is $222,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Elkhart County it is $210,400.

How much does it cost to rent in Dunlap?

Typical rent in Dunlap is $1,271 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Elkhart County is $1,253.

What is the FHA loan limit in Dunlap?

Dunlap uses the FHA limit for all of Elkhart 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 Dunlap?

The typical homeowner in Dunlap pays $2,008 a year, according to the U.S. Census Bureau. That is 0.9% of the home’s value; in Elkhart County, the rate is 0.82%.

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

There are 2 HUD-approved counseling agencies with an office in Elkhart County. 2 say they serve in Spanish. 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).