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City · 6,890 residents · St. Joseph County, Indiana

Notre Dame , Indiana

In Notre Dame, typical rent is $1,258 a month. Compared with all of St. Joseph County, typical rent is 18% higher.

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  • Typical rent

    $1,258a month

    18% above the county

    18% above Indiana

    • Notre Dame
    • St. Joseph
    • Indiana

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

Notre Dame 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 Notre Dame apart

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

  1. Notre Dame has the largest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people: 83%.

  2. Nearby, in Elkhart, the typical rent is $998: 21% less than in Notre Dame ($1,258).

  3. The typical rent in Notre Dame is $1,258 a month, 18% more than in St. Joseph County as a whole ($1,062).

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

The homes here

Housing in Notre Dame

What homes there are in Notre Dame, 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
Year built

The typical home in Notre Dame was built in 1995, 27 years after the typical one in St. Joseph County.

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

Owners with a mortgage

100%

St. Joseph County: 60%

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, the typical rent in Notre Dame did not change clearly, according to the Census.

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

MeasureNotre DameSt. 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 1.742.442.462.53
Drive alone 10%75%76%69%
Carpool Unreliable estimate9%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 63%4%2%3%
Work from home 24%11%11%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Notre Dame are smaller: 1.74 people on average; in St. Joseph County, 2.44.

In Notre Dame, 63% of workers walk or bike to work; in St. Joseph County, 4%.

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 Notre Dame?

The Census Bureau publishes no typical home value or typical household income for Notre Dame, so we don't measure how heavy the payment is. Enter your own numbers in the calculator. The Census Bureau publishes no typical home value for Notre Dame, so the calculator starts with the one for St. Joseph County: $192,800. The rate is Freddie Mac’s weekly average (7.18%, November 5, 2026); yours may be different. The FHA and conventional loan limits are those of all of St. Joseph County. Change the price, the down payment or the loan type and see how your payment changes.

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 Notre Dame. 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 $6,748 (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

$1,586

at 7.18% · 30 years

Loan amount
$189,308
Total interest
$272,370
Paid off in
November 2056

Includes $3,256 FHA upfront mortgage insurance premium.

Does it fit the income?

Type your income to see which tier this payment lands in.

Show the result as
per month$1,586
Principal & interest$1,282
Property tax$138
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,748 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

Notre Dame and St. Joseph County

Notre Dame 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).

Notre Dame's own numbers

Typical monthly rent
$1,258

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 Notre Dame

The Census Bureau publishes no typical home value for Notre Dame. Below are the numbers for St. Joseph County.

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

Notre Dame 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 monthly rent
  • Notre Dame $1,258
  • St. Joseph $1,062
  • Indiana $1,062
  • United States $1,413
See the full table
Notre Dame next to St. Joseph County and Indiana
Measure Notre Dame St. Joseph County Indiana U.S.
Typical monthly rent $1,258 $1,062 $1,062 $1,413
Renters with high rent for their income 83% 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 Notre Dame

The Census Bureau publishes no typical home value for Notre Dame, so we don't build this table. You can enter the price you're looking for in the calculator above.

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 Notre Dame and for St. Joseph County.

Property tax

Data not available for this place

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 Notre Dame

Typical rent in Notre Dame is $1,258 a month: 18% above the county. In Notre Dame, 83% 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 Notre Dame

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Notre Dame is in ZIP code 46556.

For 2 bedrooms it is $1,370: $94 more than the fair market rent for St. Joseph County ($1,276).

  • 46556 $1,370$1,670

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

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Notre Dame

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

The HUD-approved agencies closest to the center of Notre Dame, 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 · 14 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 · 23 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 · 57 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 Notre Dame

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 Notre Dame

HUD’s record names them for Notre Dame 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 Notre Dame, 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 Notre Dame.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Notre Dame

Short answers with the numbers for Notre Dame 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 it cost to rent in Notre Dame?

Typical rent in Notre Dame is $1,258 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 Notre Dame?

Notre Dame 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.

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

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).