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City · 7,362 residents · Scott County, Indiana

Scottsburg , Indiana

In Scottsburg, a typical home is worth $146,200 and typical rent is $831 a month. Compared with all of Scott County, typical household income is 32% lower, the typical home value is 8% lower, and the share of households that own their home is 21 points lower.

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  • Typical home value

    $146,200

    8% below the county

    33% below Indiana

    • Scottsburg
    • Scott
    • Indiana

  • Typical rent

    $831a month

    About the same as the county

    22% below Indiana

    • Scottsburg
    • Scott
    • Indiana

  • Typical household income

    $38,578a year

    32% below the county

    46% below Indiana

    • Scottsburg
    • Scott
    • Indiana

  • Households that own their home

    50%

    21 points below the county

    21 points below Indiana

    • Scottsburg
    • Scott
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$185,591
about the same as 12 months ago

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

Scottsburg is in Scott 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 Scott County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Scottsburg apart

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

  1. Scottsburg has the 2nd lowest typical household income of the 134 cities in Indiana with more than 5,000 people ($38,578).

  2. 50% of households in Scottsburg own their home, against 71% in Scott County.

  3. Nearby, in Salem, the typical rent is $690: 17% less than in Scottsburg ($831).

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

The homes here

Housing in Scottsburg

What homes there are in Scottsburg, 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 is still the most common home in Scottsburg, but it weighs less than in Scott County: 54% against 66%.

Year built

By age, homes in Scottsburg look like those in Scott County: the typical year built is 1983.

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

$1,272 a month

Scott County: $1,179 a month

Without a mortgage

$530 a month

Scott County: $486 a month

Owners with a mortgage

58%

Scott County: 56%

The typical cost for an owner with a mortgage in Scottsburg is $1,272 a month, more than in Scott County ($1,179); without one, $530.

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, home values in Scottsburg moved so little that the Census cannot say whether they rose or fell.

The typical rent in Scottsburg 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

MeasureScottsburgScott CountyIndianaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.6%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.8%3.4%
People per household 2.222.452.462.53
Drive alone 90%83%76%69%
Carpool Unreliable estimate7%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate7%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.22 on average, against 2.45 in Scott County.

To get to work, 90% of workers in Scottsburg drive alone; in Scott County, 83%.

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 Scottsburg?

A typical home costs more than the typical income allows

We start with a typical home in Scottsburg, worth $146,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Scottsburg, which is $38,578 a year. For that payment to be 28% of income, a household would need to earn about $51,184 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Scottsburg. 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 $5,117 (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

$1,194

at 7.18% · 30 years

Loan amount
$143,552
Total interest
$206,538
Paid off in
November 2056

Includes $2,469 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $900 a month

  • Tight

    $900 to $1,157 a month

  • Hard

    more than $1,157 a month

    Your payment · 37%

Compared with the typical household income in Scottsburg ($38,578 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,194
Principal & interest$972
Property tax$96
Home insurance$61
FHA mortgage insurance (MIP)$65

You need at least $5,117 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

Scottsburg and Scott County

Scottsburg is in Scott 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).

Scottsburg's own numbers

Typical home value
$146,200
Typical monthly rent
$831
Typical yearly household income
$38,578
Households that own their home
50%
Effective property tax rate
0.79%

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

Numbers for all of Scott County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,047
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.1%

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 Scott County.

Everything about Scott County

Buying

Buying a home in Scottsburg

A typical home in Scottsburg is worth $146,200: 8% below the county and 33% below Indiana. With the typical household income in Scottsburg ($38,578 a year), a typical home costs 3.8 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.

  • Scottsburg 3.8 years
  • Scott 2.8 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Scott County

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

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

Period County Indiana U.S.
Last year (2025) +2.6% +4.3% +2.9%
5 years (2020–2025) +52% +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

Scottsburg next to Scott 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
  • Scottsburg $146,200
  • Scott $158,400
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Scottsburg $831
  • Scott $822
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Scottsburg $38,578
  • Scott $56,352
  • Indiana $71,957
  • United States $80,734
See the full table
Scottsburg next to Scott County and Indiana
Measure Scottsburg Scott County Indiana U.S.
Typical home value $146,200 $158,400 $218,200 $332,700
Typical monthly rent $831 $822 $1,062 $1,413
Typical yearly household income $38,578 $56,352 $71,957 $80,734
Households that own their home 50% 71% 71% 65%
Typical yearly property tax $1,154 $1,025 $1,614 $3,119
Effective property tax rate 0.79% 0.65% 0.74% 0.94%
Renters with high rent for their income 38% 43% 48% 51%

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

For a typical $146,200 home in Scottsburg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scottsburg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,194a month

    Least cash to close
    Down payment
    $5,117
    Cash to close
    $9,503
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $65

  • Conventional, 5% down $1,167a month

    Down payment
    $7,310
    Cash to close
    $11,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $69

  • Conventional, 20% down, no PMI $949a month

    Down payment
    $29,240
    Cash to close
    $33,626
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,085a month

    Down payment
    $21,930
    Cash to close
    $26,316
    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 Scottsburg and for Scott County.

Property tax

Effective rate in Scottsburg

0.79%of the home’s value each year

$1,154 a year for the typical owner in Scottsburg.

  • Scottsburg 0.79%
  • Scott 0.65%
  • 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 Scott County

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

Homes in the high-risk zone
1.1%
123
Of those, with NFIP insurance
14%
County Indiana U.S.
Homes in the high-risk zone 1.1% 2.3% 3.5%
Of those, with NFIP insurance 14% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Scottsburg

Typical rent in Scottsburg is $831 a month: about the same as the county. In Scottsburg, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Scott County, by unit size. To pay the 2-bedroom one ($1,047 a month) without spending more than 30% of your income, you would need to earn $20.13 an hour working full time.

HUD fair market rent for all of Scott 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 $783 $15.06 $31,320
1 bedroom $800 $15.38 $32,000
2 bedrooms $1,047 $20.13 $41,880
3 bedrooms $1,341 $25.79 $53,640
4 bedrooms $1,400 $26.92 $56,000

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 Scottsburg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Scottsburg is in ZIP code 47170.

For 2 bedrooms it is $1,130: $83 more than the fair market rent for Scott County ($1,047).

  • 47170 $1,130$1,440

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

HUD lists 4 buildings with rents for lower incomes in Scottsburg. These are the largest.

  • Village Apts of Scottsburg II 935 York Rd, Scottsburg 47170 40 low-income homes · 1 bd: 20 · 2 bd: 20 · In service since 1995
  • ST. James Community 1 Saint James Pl, Scottsburg 47170 34 low-income homes · For older adults (812) 752-3813
  • Scott Valley Court Apts 714 Morning Glory Dr, Scottsburg 47170 32 low-income homes · 1 bd: 12 · 2 bd: 20 · In service since 2005 · For people with disabilities, people experiencing homelessness
  • Village Apartments Scottsburg 1275 N Pine St, Scottsburg 47170 32 low-income homes · For families (812) 752-7442

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

Free help

Help to buy or rent in Scottsburg

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

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Scottsburg

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

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

  • New Albany Housing Authority

    300 Erni Ave, New Albany · 27 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (812) 948-2319

  • Blue River Services Inc

    156 Autumn Ridge Dr NW, Corydon · 35 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Budget and credit workshops
    • Fair housing pre-purchase workshops
    • and 6 more
    812-738-8016x104

  • City of Bloomington - Housing and Neighborhood Development (HAND)

    401 N Morton St, Bloomington · 53 miles away

    • Mortgage delinquency and default
    • Homelessness services
    • and 6 more
    (812) 349-3420

All counseling agencies in Indiana

Help in Spanish near Scottsburg

1 of the 3 agencies on this list says it serves 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 Scottsburg

HUD lists no housing authority with an office in Scott County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Indiana Source: HUD

Cities

Nearby cities

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

Everything about Scott County Housing in Indiana

Neighboring counties

If Scott 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 Scottsburg.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Scottsburg

Short answers with the numbers for Scottsburg and all of Scott 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 Scottsburg?

The typical home value in Scottsburg is $146,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scott County it is $158,400.

How much does it cost to rent in Scottsburg?

Typical rent in Scottsburg is $831 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scott County is $1,047.

What is the FHA loan limit in Scottsburg?

Scottsburg uses the FHA limit for all of Scott 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 Scottsburg?

The typical homeowner in Scottsburg pays $1,154 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Scott County, the rate is 0.65%.

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

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