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City · 5,114 residents · Vanderburgh County, Indiana

Highland (Vanderburgh County), Indiana

In Highland, a typical home is worth $240,400 and typical rent is $1,695 a month. Compared with all of Vanderburgh County, typical rent is 72% higher, typical household income is 59% higher, and the share of households that own their home is 26 points higher.

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  • Typical home value

    $240,400

    31% above the county

    10% above Indiana

    • Highland
    • Vanderburgh
    • Indiana

  • Typical rent

    $1,695a month

    72% above the county

    60% above Indiana

    • Highland
    • Vanderburgh
    • Indiana

  • Typical household income

    $98,002a year

    59% above the county

    36% above Indiana

    • Highland
    • Vanderburgh
    • Indiana

  • Households that own their home

    91%

    26 points above the county

    21 points above Indiana

    • Highland
    • Vanderburgh
    • Indiana

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

Highland is in Vanderburgh 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 Vanderburgh County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Highland apart

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

  1. The typical rent in Highland is $1,695 a month, 72% more than in Vanderburgh County as a whole ($985).

  2. 91% of households in Highland own their home, against 65% in Vanderburgh County.

  3. The typical household income in Highland is $98,002, 59% more than in Vanderburgh County as a whole ($61,648).

  4. Nearby, in Mount Vernon, the typical rent is $783: 54% less than in Highland ($1,695).

  5. Nearby, in Princeton, the typical home value is $128,700: 46% less than in Highland ($240,400).

  6. The typical home in Highland is worth $240,400, 31% more than in Vanderburgh County as a whole ($184,000).

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

The homes here

Housing in Highland

What homes there are in Highland, 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 Highland: 98% of homes, more than in Vanderburgh County (70%).

Year built

Here half of the homes date from 1984 or later; in Vanderburgh County, from 1970 or later.

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

$1,381 a month

Vanderburgh County: $1,331 a month

Without a mortgage

$637 a month

Vanderburgh County: $572 a month

Owners with a mortgage

65%

Vanderburgh County: 62%

In Highland, 65% of owners have a mortgage; their typical cost is $1,381 a month, about the same as in Vanderburgh County.

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 Highland gained value faster than in Vanderburgh County: 46% against 43%.

The typical rent in Highland rose 55% over the same time; in Vanderburgh County, it rose 25%.

The typical household income in Highland rose 32%: less than home values (+46%) and rent (+55%).

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

MeasureHighlandVanderburgh CountyIndianaUnited States
Rental vacancy Unreliable estimate6.6%5.6%5.5%
Homeowner vacancy Unreliable estimate1.3%0.8%0.9%
More than one person per room Unreliable estimate1.4%1.8%3.4%
People per household 2.652.222.462.53
Drive alone 82%80%76%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate7%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Highland are bigger: 2.65 people on average; in Vanderburgh County, 2.22.

To get to work, 82% of workers in Highland drive alone; in Vanderburgh County, 80%.

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 Highland?

A typical home is within reach of the typical income

We start with a typical home in Highland, worth $240,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Highland, which is $98,002 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Highland. 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 $8,414 (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

$1,966

at 7.18% · 30 years

Loan amount
$236,046
Total interest
$339,614
Paid off in
November 2056

Includes $4,060 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,287 a month

    Your payment · 24%

  • Tight

    $2,287 to $2,940 a month

  • Hard

    more than $2,940 a month

Compared with the typical household income in Highland ($98,002 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,966
Principal & interest$1,599
Property tax$160
Home insurance$100
FHA mortgage insurance (MIP)$106

You need at least $8,414 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

Highland and Vanderburgh County

Highland is in Vanderburgh 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).

Highland's own numbers

Typical home value
$240,400
Typical monthly rent
$1,695
Typical yearly household income
$98,002
Households that own their home
91%
Effective property tax rate
0.8%

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

Numbers for all of Vanderburgh County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,127
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
4.2%

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 Vanderburgh County.

Everything about Vanderburgh County

Buying

Buying a home in Highland

A typical home in Highland is worth $240,400: 31% above the county and 10% above Indiana. With the typical household income in Highland ($98,002 a year), a typical home costs 2.5 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.

  • Highland 2.5 years
  • Vanderburgh 3.0 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Vanderburgh County

According to FHFA’s house price index, home prices in Vanderburgh County rose 78% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +3.8% +4.3% +2.9%
5 years (2020–2025) +48% +53% +47%
10 years (2015–2025) +78% +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

Highland next to Vanderburgh 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
  • Highland $240,400
  • Vanderburgh $184,000
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Highland $1,695
  • Vanderburgh $985
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Highland $98,002
  • Vanderburgh $61,648
  • Indiana $71,957
  • United States $80,734
See the full table
Highland next to Vanderburgh County and Indiana
Measure Highland Vanderburgh County Indiana U.S.
Typical home value $240,400 $184,000 $218,200 $332,700
Typical monthly rent $1,695 $985 $1,062 $1,413
Typical yearly household income $98,002 $61,648 $71,957 $80,734
Households that own their home 91% 65% 71% 65%
Typical yearly property tax $1,917 $1,474 $1,614 $3,119
Effective property tax rate 0.8% 0.8% 0.74% 0.94%

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

For a typical $240,400 home in Highland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Highland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,966a month

    Least cash to close
    Down payment
    $8,414
    Cash to close
    $15,626
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $106

  • Conventional, 5% down $1,922a month

    Down payment
    $12,020
    Cash to close
    $19,232
    Rate
    7.18%
    Mortgage insurance
    PMI · $114

  • Conventional, 20% down, no PMI $1,563a month

    Down payment
    $48,080
    Cash to close
    $55,292
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,786a month

    Down payment
    $36,060
    Cash to close
    $43,272
    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 Highland and for Vanderburgh County.

Property tax

Effective rate in Highland

0.8%of the home’s value each year

$1,917 a year for the typical owner in Highland.

  • Highland 0.8%
  • Vanderburgh 0.8%
  • 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 Vanderburgh County

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

Homes in the high-risk zone
4.2%
2,772
Of those, with NFIP insurance
10%
County Indiana U.S.
Homes in the high-risk zone 4.2% 2.3% 3.5%
Of those, with NFIP insurance 10% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Highland

Typical rent in Highland is $1,695 a month: 72% above the county.

HUD publishes a fair market rent for all of Vanderburgh County, by unit size. To pay the 2-bedroom one ($1,127 a month) without spending more than 30% of your income, you would need to earn $21.67 an hour working full time.

HUD fair market rent for all of Vanderburgh 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 $866 $16.65 $34,640
1 bedroom $872 $16.77 $34,880
2 bedrooms $1,127 $21.67 $45,080
3 bedrooms $1,387 $26.67 $55,480
4 bedrooms $1,534 $29.50 $61,360

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 Highland

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

For 2 bedrooms it runs from $1,070 in 47710 to $1,140 in 47711.

1 of the 2 is above the fair market rent for Vanderburgh County ($1,127).

  • 47710 $1,070$1,320
  • 47711 $1,140$1,400

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

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 Vanderburgh County; none says it serves in Spanish.

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 Highland

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

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

  • Hope of Evansville, Inc

    900 N Main St, Evansville · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (812) 423-3169

  • Community Action Program of Evansville & Vanderburgh County, Inc

    401 SE 6th St, Evansville · 5 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (812) 425-4241

  • Dubois Pike Warrick Economic Opportunity Committee, Inc. D/B/A Tri-Cap

    607 3rd Ave, Jasper · 42 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (812) 482-2233

Every agency in Vanderburgh County All counseling agencies in Indiana

Help in Spanish near Highland

None 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 Highland

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

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

Cities

Other cities in Vanderburgh County

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

Everything about Vanderburgh County Housing in Indiana

Nearby cities

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

Neighboring counties

If Vanderburgh 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 Highland.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Highland

Short answers with the numbers for Highland and all of Vanderburgh 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 Highland?

The typical home value in Highland is $240,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Vanderburgh County it is $184,000.

How much does it cost to rent in Highland?

Typical rent in Highland is $1,695 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Vanderburgh County is $1,127.

What is the FHA loan limit in Highland?

Highland uses the FHA limit for all of Vanderburgh 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 Highland?

The typical homeowner in Highland pays $1,917 a year, according to the U.S. Census Bureau. That is 0.8% of the home’s value; in Vanderburgh County, the rate is 0.8%.

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

There are 2 HUD-approved counseling agencies with an office in Vanderburgh County. 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).