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City · 10,556 residents · Noble County, Indiana

Kendallville , Indiana

In Kendallville, a typical home is worth $133,200 and typical rent is $821 a month. Compared with all of Noble County, the typical home value is 32% lower, typical household income is 18% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $133,200

    32% below the county

    39% below Indiana

    • Kendallville
    • Noble
    • Indiana

  • Typical rent

    $821a month

    About the same as the county

    23% below Indiana

    • Kendallville
    • Noble
    • Indiana

  • Typical household income

    $58,939a year

    18% below the county

    18% below Indiana

    • Kendallville
    • Noble
    • Indiana

  • Households that own their home

    62%

    15 points below the county

    9 points below Indiana

    • Kendallville
    • Noble
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$228,893
3.9% more than 12 months ago

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

Kendallville is in Noble 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 Noble County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kendallville apart

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

  1. The typical home in Kendallville is worth $133,200, 32% less than in Noble County as a whole ($196,800).

  2. 62% of households in Kendallville own their home, against 77% in Noble County.

  3. The typical household income in Kendallville is $58,939, 18% less than in Noble County as a whole ($71,723).

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

The homes here

Housing in Kendallville

What homes there are in Kendallville, 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 houses are the majority in Kendallville (59%), but less so than in Noble County (78%).

Year built

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

$1,056 a month

Noble County: $1,271 a month

Without a mortgage

$434 a month

Noble County: $483 a month

Owners with a mortgage

63%

Noble County: 63%

The typical cost for an owner with a mortgage in Kendallville is $1,056 a month, less than in Noble County ($1,271); without one, $434.

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

Homes in Kendallville gained value more slowly than in Noble County: 34% since 2015–2019, against 56%.

Since 2015–2019, the typical rent in Kendallville rose 23%, more than in Noble County (17%).

The typical household income in Kendallville rose 37%: more than home values (+34%) and rent (+23%).

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

MeasureKendallvilleNoble CountyIndianaUnited States
Rental vacancy Unreliable estimate7.9%5.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.9%1.8%3.4%
People per household 2.362.572.462.53
Drive alone 83%78%76%69%
Carpool 10%14%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%11%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.36 on average, against 2.57 in Noble County.

To get to work, 83% of workers in Kendallville drive alone; in Noble County, 78%.

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 Kendallville?

A typical home is within reach of the typical income

We start with a typical home in Kendallville, worth $133,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Kendallville, which is $58,939 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kendallville. 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 $4,662 (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

$1,074

at 7.18% · 30 years

Loan amount
$130,787
Total interest
$188,172
Paid off in
November 2056

Includes $2,249 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,375 a month

    Your payment · 22%

  • Tight

    $1,375 to $1,768 a month

  • Hard

    more than $1,768 a month

Compared with the typical household income in Kendallville ($58,939 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,074
Principal & interest$886
Property tax$73
Home insurance$56
FHA mortgage insurance (MIP)$59

You need at least $4,662 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

Kendallville and Noble County

Kendallville is in Noble 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).

Kendallville's own numbers

Typical home value
$133,200
Typical monthly rent
$821
Typical yearly household income
$58,939
Households that own their home
62%
Effective property tax rate
0.66%

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

Numbers for all of Noble County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,023
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
4.7%

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 Noble County.

Everything about Noble County

Buying

Buying a home in Kendallville

A typical home in Kendallville is worth $133,200: 32% below the county and 39% below Indiana. With the typical household income in Kendallville ($58,939 a year), a typical home costs 2.3 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.

  • Kendallville 2.3 years
  • Noble 2.7 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Noble County

According to FHFA’s house price index, home prices in Noble County rose 95% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +2.9% +4.3% +2.9%
5 years (2020–2025) +54% +53% +47%
10 years (2015–2025) +95% +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

Kendallville next to Noble 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
  • Kendallville $133,200
  • Noble $196,800
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Kendallville $821
  • Noble $832
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Kendallville $58,939
  • Noble $71,723
  • Indiana $71,957
  • United States $80,734
See the full table
Kendallville next to Noble County and Indiana
Measure Kendallville Noble County Indiana U.S.
Typical home value $133,200 $196,800 $218,200 $332,700
Typical monthly rent $821 $832 $1,062 $1,413
Typical yearly household income $58,939 $71,723 $71,957 $80,734
Households that own their home 62% 77% 71% 65%
Typical yearly property tax $875 $1,310 $1,614 $3,119
Effective property tax rate 0.66% 0.67% 0.74% 0.94%
Renters with high rent for their income 50% 43% 48% 51%

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

For a typical $133,200 home in Kendallville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kendallville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,074a month

    Least cash to close
    Down payment
    $4,662
    Cash to close
    $8,658
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,049a month

    Down payment
    $6,660
    Cash to close
    $10,656
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $851a month

    Down payment
    $26,640
    Cash to close
    $30,636
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $974a month

    Down payment
    $19,980
    Cash to close
    $23,976
    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 Kendallville and for Noble County.

Property tax

Effective rate in Kendallville

0.66%of the home’s value each year

$875 a year for the typical owner in Kendallville.

  • Kendallville 0.66%
  • Noble 0.67%
  • 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 Noble County

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

Homes in the high-risk zone
4.7%
990
Of those, with NFIP insurance
18%
County Indiana U.S.
Homes in the high-risk zone 4.7% 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 Kendallville

Typical rent in Kendallville is $821 a month: about the same as the county. In Kendallville, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Noble County, by unit size. To pay the 2-bedroom one ($1,023 a month) without spending more than 30% of your income, you would need to earn $19.67 an hour working full time.

HUD fair market rent for all of Noble 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 $765 $14.71 $30,600
1 bedroom $782 $15.04 $31,280
2 bedrooms $1,023 $19.67 $40,920
3 bedrooms $1,219 $23.44 $48,760
4 bedrooms $1,710 $32.88 $68,400

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 Kendallville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kendallville is in ZIP code 46755.

For 2 bedrooms it is $1,010: $13 less than the fair market rent for Noble County ($1,023).

  • 46755 $1,010$1,210

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

Low-income apartments

Low-income apartments in Kendallville

HUD lists 8 buildings with rents for lower incomes in Kendallville. These are the largest.

  • Carriage House Kendallville 340 Ashton Dr, Kendallville 46755 150 low-income homes · For families (260) 347-0303
  • Ra Streb Complex 240 Angling Rd, Kendallville 46755 118 low-income homes · 1 bd: 12 · 2 bd: 12 · In service since 2005 · Run by Housing Authority of the City of Kendallville · Average payment: $403 a month · Average wait: 5 months (260) 347-1091
  • Drake Terrace III 636 Berry Ln, Kendallville 46755 46 low-income homes · 1 bd: 6 · 2 bd: 32 · 3 bd: 8 · In service since 1992
  • Deerfield Apts II 1998 Deerfield Ln, Kendallville 46755 40 low-income homes · 1 bd: 16 · 2 bd: 12 · 3 bd: 12 · In service since 1994
  • Atz Place 301 E Wayne St, Kendallville 46755 38 low-income homes · 1 bd: 24 · 2 bd: 14 · In service since 2017 · For older adults

See all 13 buildings in Noble County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kendallville

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

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Kendallville

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

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

  • Lacasa of Goshen, Inc.

    202 N Cottage Ave, Goshen · 31 miles away · Spanish

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

  • Lacasa of Goshen Inc - Branch Office

    516 S Main St, Elkhart · 40 miles away · Spanish

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

  • The Affordable Housing Corporation of Marion, Indiana

    812 S Washington St, Marion · 65 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (765) 662-1574

All counseling agencies in Indiana

Help in Spanish near Kendallville

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 Kendallville

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

  • Housing Authority of the City of Kendallville Public housing (260) 347-1091

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

Cities

Nearby cities

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

Everything about Noble County Housing in Indiana

Neighboring counties

If Noble 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 Kendallville.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Kendallville

Short answers with the numbers for Kendallville and all of Noble 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 Kendallville?

The typical home value in Kendallville is $133,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Noble County it is $196,800.

How much does it cost to rent in Kendallville?

Typical rent in Kendallville is $821 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Noble County is $1,023.

What is the FHA loan limit in Kendallville?

Kendallville uses the FHA limit for all of Noble 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 Kendallville?

The typical homeowner in Kendallville pays $875 a year, according to the U.S. Census Bureau. That is 0.66% of the home’s value; in Noble County, the rate is 0.67%.

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

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