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City · 30,321 residents · St. Joseph County, Indiana

Granger , Indiana

In Granger, a typical home is worth $331,100 and typical rent is $1,656 a month. Compared with all of St. Joseph County, typical household income is 84% higher, the typical home value is 72% higher, and the share of households that own their home is 26 points higher.

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  • Typical home value

    $331,100

    72% above the county

    52% above Indiana

    • Granger
    • St. Joseph
    • Indiana

  • Typical rent

    $1,656a month

    56% above the county

    56% above Indiana

    • Granger
    • St. Joseph
    • Indiana

  • Typical household income

    $123,318a year

    84% above the county

    71% above Indiana

    • Granger
    • St. Joseph
    • Indiana

  • Households that own their home

    95%

    26 points above the county

    25 points above Indiana

    • Granger
    • St. Joseph
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$416,933
3.9% more than 12 months ago
Typical rent
$1,942 a month
12.7% more than 12 months ago

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

Granger is in St. Joseph 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 St. Joseph County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Granger apart

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

  1. The typical household income in Granger is $123,318, 84% more than in St. Joseph County as a whole ($66,868).

  2. The typical home in Granger is worth $331,100, 72% more than in St. Joseph County as a whole ($192,800).

  3. 95% of households in Granger own their home, against 69% in St. Joseph County.

  4. Nearby, in Elkhart, the typical home value is $139,500: 58% less than in Granger ($331,100).

  5. The typical rent in Granger is $1,656 a month, 56% more than in St. Joseph County as a whole ($1,062).

  6. Nearby, in Elkhart, the typical rent is $998: 40% less than in Granger ($1,656).

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

The homes here

Housing in Granger

What homes there are in Granger, 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 Granger: 98% of homes, more than in St. Joseph County (74%).

Year built

The typical home in Granger was built in 1986, 18 years after the typical one in St. Joseph County.

In Granger, 94% of homes have 3 bedrooms or more, more than in St. Joseph County (61%).

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

$1,807 a month

St. Joseph County: $1,291 a month

Without a mortgage

$560 a month

St. Joseph County: $479 a month

Owners with a mortgage

63%

St. Joseph County: 60%

Owning costs more in Granger: with a mortgage, the typical cost is $1,807 a month; in St. Joseph County, $1,291. Without one, $560.

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

Much as in St. Joseph County, the typical home value in Granger rose 51% since 2015–2019.

The typical rent in Granger 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

MeasureGrangerSt. Joseph CountyIndianaUnited States
Rental vacancy Unreliable estimate6.1%5.6%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.6%1.8%3.4%
People per household 2.872.442.462.53
Drive alone 80%75%76%69%
Carpool 6%9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home 13%11%11%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.87 on average, against 2.44 in St. Joseph County.

In Granger, 80% of workers drive alone to work; in St. Joseph County, 75%.

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 Granger?

A typical home is within reach of the typical income

We start with a typical home in Granger, worth $331,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Granger, which is $123,318 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Granger. 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 $11,589 (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

$2,716

at 7.18% · 30 years

Loan amount
$325,102
Total interest
$467,746
Paid off in
November 2056

Includes $5,591 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,877 a month

    Your payment · 26%

  • Tight

    $2,877 to $3,700 a month

  • Hard

    more than $3,700 a month

Compared with the typical household income in Granger ($123,318 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,716
Principal & interest$2,202
Property tax$229
Home insurance$138
FHA mortgage insurance (MIP)$146

You need at least $11,589 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

Granger and St. Joseph County

Granger is in St. Joseph 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).

Granger's own numbers

Typical home value
$331,100
Typical monthly rent
$1,656
Typical yearly household income
$123,318
Households that own their home
95%
Effective property tax rate
0.83%

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

Numbers for all of St. Joseph County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,276
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
0.6%

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 St. Joseph County.

Everything about St. Joseph County

Buying

Buying a home in Granger

A typical home in Granger is worth $331,100: 72% above the county and 52% above Indiana. With the typical household income in Granger ($123,318 a year), a typical home costs 2.7 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.

  • Granger 2.7 years
  • St. Joseph 2.9 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Joseph County

According to FHFA’s house price index, home prices in St. Joseph County rose 106% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +3.8% +4.3% +2.9%
5 years (2020–2025) +59% +53% +47%
10 years (2015–2025) +106% +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

Granger next to St. Joseph 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
  • Granger $331,100
  • St. Joseph $192,800
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Granger $1,656
  • St. Joseph $1,062
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Granger $123,318
  • St. Joseph $66,868
  • Indiana $71,957
  • United States $80,734
See the full table
Granger next to St. Joseph County and Indiana
Measure Granger St. Joseph County Indiana U.S.
Typical home value $331,100 $192,800 $218,200 $332,700
Typical monthly rent $1,656 $1,062 $1,062 $1,413
Typical yearly household income $123,318 $66,868 $71,957 $80,734
Households that own their home 95% 69% 71% 65%
Typical yearly property tax $2,747 $1,665 $1,614 $3,119
Effective property tax rate 0.83% 0.86% 0.74% 0.94%
Renters with high rent for their income 48% 49% 48% 51%

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

For a typical $331,100 home in Granger, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Granger's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,716a month

    Least cash to close
    Down payment
    $11,589
    Cash to close
    $21,522
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $146

  • Conventional, 5% down $2,655a month

    Down payment
    $16,555
    Cash to close
    $26,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $157

  • Conventional, 20% down, no PMI $2,161a month

    Down payment
    $66,220
    Cash to close
    $76,153
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,467a month

    Down payment
    $49,665
    Cash to close
    $59,598
    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 Granger and for St. Joseph County.

Property tax

Effective rate in Granger

0.83%of the home’s value each year

$2,747 a year for the typical owner in Granger.

  • Granger 0.83%
  • St. Joseph 0.86%
  • 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 St. Joseph County

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

Homes in the high-risk zone
0.6%
611
Of those, with NFIP insurance
18%
County Indiana U.S.
Homes in the high-risk zone 0.6% 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 Granger

Typical rent in Granger is $1,656 a month: 56% above the county. In Granger, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Joseph County, by unit size. To pay the 2-bedroom one ($1,276 a month) without spending more than 30% of your income, you would need to earn $24.54 an hour working full time.

HUD fair market rent for all of St. Joseph 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 $937 $18.02 $37,480
1 bedroom $1,093 $21.02 $43,720
2 bedrooms $1,276 $24.54 $51,040
3 bedrooms $1,545 $29.71 $61,800
4 bedrooms $1,677 $32.25 $67,080

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 Granger

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Granger is in ZIP code 46530.

For 2 bedrooms it is $1,910: $634 more than the fair market rent for St. Joseph County ($1,276).

  • 46530 $1,910$2,320

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Granger 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 Granger

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Granger

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

The HUD-approved agencies closest to the center of Granger, 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 · 9 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 · 19 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 · 63 miles away

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

All counseling agencies in Indiana

Help in Spanish near Granger

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 Granger

HUD’s record names them for Granger or St. Joseph County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • St. Joseph County Housing Authority Section 8 vouchers (574) 656-3545

2 other authorities have an office in St. Joseph County: see the list Source: HUD

Cities

Other cities in St. Joseph County

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

Everything about St. Joseph County Housing in Indiana

Nearby cities

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

Neighboring counties

If St. Joseph 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 Granger.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Granger

Short answers with the numbers for Granger and all of St. Joseph 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 Granger?

The typical home value in Granger is $331,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Joseph County it is $192,800.

How much does it cost to rent in Granger?

Typical rent in Granger is $1,656 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Joseph County is $1,276.

What is the FHA loan limit in Granger?

Granger uses the FHA limit for all of St. Joseph 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 Granger?

The typical homeowner in Granger pays $2,747 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in St. Joseph County, the rate is 0.86%.

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

We found no HUD-approved counseling agencies with an office in St. Joseph 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).