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City · 22,371 residents · Jackson County, Indiana

Seymour , Indiana

In Seymour, a typical home is worth $162,800 and typical rent is $1,011 a month. Compared with all of Jackson County, the typical home value is 9% lower, typical household income is 8% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $162,800

    9% below the county

    25% below Indiana

    • Seymour
    • Jackson
    • Indiana

  • Typical rent

    $1,011a month

    About the same as the county

    5% below Indiana

    • Seymour
    • Jackson
    • Indiana

  • Typical household income

    $64,426a year

    8% below the county

    10% below Indiana

    • Seymour
    • Jackson
    • Indiana

  • Households that own their home

    60%

    13 points below the county

    11 points below Indiana

    • Seymour
    • Jackson
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$229,245
1.7% more than 12 months ago
Typical rent
$1,395 a month

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

Seymour is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Seymour apart

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

  1. Nearby, in Salem, the typical rent is $690: 32% less than in Seymour ($1,011).

  2. Seymour has the 7th smallest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (35%).

  3. Nearby, in North Vernon, the typical home value is $128,600: 21% less than in Seymour ($162,800).

  4. 60% of households in Seymour own their home, against 73% in Jackson County.

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

The homes here

Housing in Seymour

What homes there are in Seymour, 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 Seymour, but it weighs less than in Jackson County: 61% against 70%.

Year built

In Seymour, half of the homes were built before 1976; in Jackson County, before 1978.

Homes in Seymour are smaller: 58% have 3 bedrooms or more; in Jackson County, 65%.

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

With an FHA limit of $541,287, at least 99% of owner-occupied homes in Seymour sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Jackson County is $1,142: about 60% of rents in Seymour are below it.

With a mortgage

$1,161 a month

Jackson County: $1,213 a month

Without a mortgage

$460 a month

Jackson County: $493 a month

Owners with a mortgage

59%

Jackson County: 58%

Owning costs about the same in Seymour as in Jackson County: with a mortgage, $1,161 a month; without one, $460.

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

From 2015–2019 to 2020–2024, the typical home value in Seymour rose 36%; in Jackson County, it rose 42%.

Rents in Seymour rose at about the same pace as in Jackson County: 30% since 2015–2019, against 31%.

The typical household income in Seymour rose 43%: more than home values (+36%) and rent (+30%).

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

MeasureSeymourJackson 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 estimate1.5%1.8%3.4%
People per household 2.622.532.462.53
Drive alone 82%84%76%69%
Carpool 11%9%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 3%5%11%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Seymour look like those in Jackson County: 2.62 people on average.

The car rules in Seymour: 82% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Seymour?

A typical home is within reach of the typical income

We start with a typical home in Seymour, worth $162,800, 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 Seymour, which is $64,426 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Seymour. 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 $5,698 (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

$1,289

at 7.18% · 30 years

Loan amount
$159,851
Total interest
$229,988
Paid off in
November 2056

Includes $2,749 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,503 a month

    Your payment · 24%

  • Tight

    $1,503 to $1,933 a month

  • Hard

    more than $1,933 a month

Compared with the typical household income in Seymour ($64,426 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,289
Principal & interest$1,083
Property tax$67
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,698 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

Seymour and Jackson County

Seymour is in Jackson 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).

Seymour's own numbers

Typical home value
$162,800
Typical monthly rent
$1,011
Typical yearly household income
$64,426
Households that own their home
60%
Effective property tax rate
0.49%

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

Numbers for all of Jackson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,142
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
6.1%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Seymour

A typical home in Seymour is worth $162,800: 9% below the county and 25% below Indiana. With the typical household income in Seymour ($64,426 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.

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

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 83% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +5.1% +4.3% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +83% +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

Seymour next to Jackson 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
  • Seymour $162,800
  • Jackson $178,300
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Seymour $1,011
  • Jackson $1,004
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Seymour $64,426
  • Jackson $70,262
  • Indiana $71,957
  • United States $80,734
See the full table
Seymour next to Jackson County and Indiana
Measure Seymour Jackson County Indiana U.S.
Typical home value $162,800 $178,300 $218,200 $332,700
Typical monthly rent $1,011 $1,004 $1,062 $1,413
Typical yearly household income $64,426 $70,262 $71,957 $80,734
Households that own their home 60% 73% 71% 65%
Typical yearly property tax $792 $881 $1,614 $3,119
Effective property tax rate 0.49% 0.49% 0.74% 0.94%
Renters with high rent for their income 35% 39% 48% 51%

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

For a typical $162,800 home in Seymour, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seymour's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,289a month

    Least cash to close
    Down payment
    $5,698
    Cash to close
    $10,582
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,259a month

    Down payment
    $8,140
    Cash to close
    $13,024
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,017a month

    Down payment
    $32,560
    Cash to close
    $37,444
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,167a month

    Down payment
    $24,420
    Cash to close
    $29,304
    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 Seymour and for Jackson County.

Property tax

Effective rate in Seymour

0.49%of the home’s value each year

$792 a year for the typical owner in Seymour.

  • Seymour 0.49%
  • Jackson 0.49%
  • 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 Jackson County

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

Homes in the high-risk zone
6.1%
1,118
Of those, with NFIP insurance
10%
County Indiana U.S.
Homes in the high-risk zone 6.1% 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 Seymour

Typical rent in Seymour is $1,011 a month: about the same as the county. In Seymour, 35% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson County, by unit size. To pay the 2-bedroom one ($1,142 a month) without spending more than 30% of your income, you would need to earn $21.96 an hour working full time.

HUD fair market rent for all of Jackson 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 $867 $16.67 $34,680
1 bedroom $873 $16.79 $34,920
2 bedrooms $1,142 $21.96 $45,680
3 bedrooms $1,445 $27.79 $57,800
4 bedrooms $1,507 $28.98 $60,280

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 Seymour

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seymour is in ZIP code 47274.

For 2 bedrooms it is $1,150: $8 more than the fair market rent for Jackson County ($1,142).

  • 47274 $1,150$1,460

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

HUD lists 7 buildings with rents for lower incomes in Seymour. These are the largest.

  • Jamestown Apartments Seymour 745 Miller Ln, Seymour 47274 150 low-income homes · For older adults (812) 522-4264
  • Seymour O'brien Manor Apts 475 S Obrien St, Seymour 47274 56 low-income homes · 1 bd: 8 · 2 bd: 36 · 3 bd: 12 · In service since 2002 · For families (812) 522-4064
  • Oak Hill Apts 1113 E Oak St, Seymour 47274 48 low-income homes · 1 bd: 20 · 2 bd: 12 · 3 bd: 16 · In service since 1998
  • Shields Crossing 1107 E Oak St, Seymour 47274 42 low-income homes · 1 bd: 38 · 2 bd: 4 · In service since 2011 · For older adults
  • Village Apts of Seymour II 1127 E Oak St, Seymour 47274 37 low-income homes · 1 bd: 34 · 2 bd: 3 · In service since 1991

See all 10 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Seymour

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Seymour

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

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

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

    401 N Morton St, Bloomington · 38 miles away

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

  • New Albany Housing Authority

    300 Erni Ave, New Albany · 45 miles away

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

  • Blue River Services Inc

    156 Autumn Ridge Dr NW, Corydon · 50 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

All counseling agencies in Indiana

Help in Spanish near Seymour

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 Seymour

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

All housing agencies in Indiana Source: HUD

Cities

Nearby cities

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

Everything about Jackson County Housing in Indiana

Neighboring counties

If Jackson 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 Seymour.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Seymour

Short answers with the numbers for Seymour and all of Jackson 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 Seymour?

The typical home value in Seymour is $162,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $178,300.

How much does it cost to rent in Seymour?

Typical rent in Seymour is $1,011 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $1,142.

What is the FHA loan limit in Seymour?

Seymour uses the FHA limit for all of Jackson 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 Seymour?

The typical homeowner in Seymour pays $792 a year, according to the U.S. Census Bureau. That is 0.49% of the home’s value; in Jackson County, the rate is 0.49%.

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

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