In St. John, a typical home is worth $406,300 and typical rent is $989 a month. Compared with all of Lake County, typical household income is 84% higher, the typical home value is 76% higher, and the share of households that own their home is 26 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $397,154 to $460,752.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. John is in Lake 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 Lake County. See the county
What this place has that others do not, from public data, most unusual first.
1
St. John has the 2nd highest homeownership rate of the 134 cities in Indiana with more than 5,000 people (97%).
2
The typical household income in St. John is $131,467,84% more than in Lake County as a whole ($71,493).
3
The typical home in St. John is worth $406,300,76% more than in Lake County as a whole ($230,600).
4
Nearby, in Griffith, the typical home value is $210,100: 48% less than in St. John ($406,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. John
What homes there are in St. John, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
St. John
Lake County
Indiana
United States
Kind of home: St. John and its comparisons
Measure
St. John
Lake County
Indiana
United States
Detached house
85%
71%
73%
61%
Attached house
12%
8%
4%
6%
Building of 2 to 4
Unreliable estimate
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
13%
13%
19%
Mobile home
Unreliable estimate
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in St. John: 85% of homes, more than in Lake County (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
St. John
Lake County
Indiana
United States
Year built: St. John and its comparisons
Measure
St. John
Lake County
Indiana
United States
Before 1960
5%
39%
31%
26%
1960–1979
17%
27%
24%
24%
1980–1999
21%
16%
23%
25%
2000–2009
25%
11%
12%
14%
2010 or later
32%
7%
10%
11%
The typical home in St. John was built in 2003, 35 years after the typical one in Lake County.
Homes in St. John are bigger: 87% have 3 bedrooms or more; in Lake County, 64%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K12%
$300K–$500K53%
$500K–$750K20%
$750K–$1M4%
$1M or moreUnreliable
Value of owner-occupied homes: St. John and its comparisons
Measure
St. John
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
12%
$300K–$500K
53%
$500K–$750K
20%
$750K–$1M
4%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. John and its comparisons
Measure
St. John
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,155 a month
Lake County: $1,529 a month
Without a mortgage
$690 a month
Lake County: $569 a month
Owners with a mortgage
71%
Lake County: 63%
The typical cost for an owner with a mortgage in St. John is $2,155 a month, more than in Lake County ($1,529); without one, $690.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. John+40%
Lake County+54%
Indiana+54%
United States+53%
Typical rent
St. JohnNo clear change
Lake County+28%
Indiana+29%
United States+33%
Typical household income
St. John+24%
Lake County+27%
Indiana+28%
United States+29%
Change since 2015–2019: St. John and its comparisons
Measure
St. John
Lake County
Indiana
United States
Typical home value
+40%
+54%
+54%
+53%
Typical rent
No clear change
+28%
+29%
+33%
Typical household income
+24%
+27%
+28%
+29%
Homes in St. John gained value more slowly than in Lake County: 40% since 2015–2019, against 54%.
The typical rent in St. John stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. John and its comparisons
Measure
St. John
Lake County
Indiana
United States
Rental vacancy
Unreliable estimate
5.1%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.3%
1.8%
3.4%
People per household
2.87
2.54
2.46
2.53
Drive alone
80%
80%
76%
69%
Carpool
4%
8%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
13%
8%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in St. John has 2.87 people, more than in Lake County (2.54).
In St. John, 13% of workers work from home, more than in Lake County (8%).
Do the math
What would you pay each month for a home in St. John?
A typical home is tight for the typical income
We start with a typical home in St. John, worth $406,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in St. John, which is $131,467 a year. For that payment to be 28% of income, a household would need to earn about $144,131 a year.
The calculator's FHA and conventional loan limits are those of all of Lake County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in St. John. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,221 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,363
at 7.18% · 30 years
Loan amount
$398,940
Total interest
$573,982
Paid off in
November 2056
Includes $6,861 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,068 a month
Tight
$3,068 to $3,944 a month
Your payment · 31%
Hard
more than $3,944 a month
Compared with the typical household income in St. John ($131,467 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,703
Property tax
$312
Home insurance
$169
FHA mortgage insurance (MIP)
$180
You need at least $14,221 for the down payment, plus closing costs.
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.
Total monthly payment $3,363; principal and interest $2,703.
The city and its county
St. John and Lake County
St. John is in Lake 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).
St. John
Map of Lake County, Indiana, with St. John marked. Around it, the neighboring counties.
St. John
Lake County
Other cities with a page
St. John's own numbers
Typical home value
$406,300
Typical monthly rent
$989
Typical yearly household income
$131,467
Households that own their home
97%
Effective property tax rate
0.92%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lake County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,429
Price change over 5 years (FHFA)
+48%
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 Lake County.
A typical home in St. John is worth $406,300: 76% above the county and 86% above Indiana. With the typical household income in St. John ($131,467 a year), a typical home costs 3.1 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.
St. John3.1 years
Lake3.2 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lake County
According to FHFA’s house price index, home prices in Lake County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lake County.
Yearly change in FHFA’s price index in Lake County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +4.0% +4.0% 2017
2018: +5.9% +5.9% 2018
2019: +5.5% +5.5% 2019
2020: +3.7% +3.7% 2020
2021: +12.0% +12.0% 2021
2022: +14.3% +14.3% 2022
2023: +6.9% +6.9% 2023
2024: +4.7% +4.7% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Lake County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+3.2%
+4.3%
+2.9%
5 years (2020–2025)
+48%
+53%
+47%
10 years (2015–2025)
+82%
+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
St. John next to Lake 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
St. John$406,300
Lake$230,600
Indiana$218,200
United States$332,700
Typical monthly rent
St. John$989
Lake$1,131
Indiana$1,062
United States$1,413
Typical yearly household income
St. John$131,467
Lake$71,493
Indiana$71,957
United States$80,734
See the full table
St. John next to Lake County and Indiana
Measure
St. John
Lake County
Indiana
U.S.
Typical home value
$406,300 ▲76% above the county
$230,600
$218,200
$332,700
Typical monthly rent
$989 ▼13% below the county
$1,131
$1,062
$1,413
Typical yearly household income
$131,467 ▲84% above the county
$71,493
$71,957
$80,734
Households that own their home
97% ▲26 points above the county
72%
71%
65%
Typical yearly property tax
$3,725 ▲76% above the county
$2,112
$1,614
$3,119
Effective property tax rate
0.92%
0.92%
0.74%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lake 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 St. John
For a typical $406,300 home in St. John, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. John's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,363a month
Least cash to close
Down payment
$14,221
Cash to close
$26,410
Rate
7.18%
Mortgage insurance
FHA MIP · $180
Conventional, 5% down$3,289a month
Down payment
$20,315
Cash to close
$32,504
Rate
7.18%
Mortgage insurance
PMI · $193
Conventional, 20% down, no PMI$2,683a month
Down payment
$81,260
Cash to close
$93,449
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,058a month
Down payment
$60,945
Cash to close
$73,134
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. John
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,363
$14,221
$398,941
7.18%
FHA MIP · $180
$26,410
580
Conventional, 5% down
$3,289
$20,315
$385,985
7.18%
PMI · $193
$32,504
620*
Conventional, 20% down, no PMI
$2,683
$81,260
$325,040
7.18%
None
$93,449
620*
ITIN, 15% down (example)
$3,058
$60,945
$345,355
8.18%
None
$73,134
Set by the lender
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.
Typical rent in St. John is $989 a month: 13% below the county.
HUD publishes a fair market rent for all of Lake County, by unit size. To pay the 2-bedroom one ($1,429 a month) without spending more than 30% of your income, you would need to earn $27.48 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lake County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,117
$21.48
$44,680
1 bedroom
$1,176
$22.62
$47,040
2 bedrooms
$1,429
$27.48
$57,160
3 bedrooms
$1,739
$33.44
$69,560
4 bedrooms
$1,898
$36.50
$75,920
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 St. John
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. John is in ZIP code 46373.
For 2 bedrooms it is $1,490: $61 more than the fair market rent for Lake County ($1,429).
Fair market rent by ZIP code and size in St. John, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
46373
$1,160
$1,230
$1,490
$1,810
$1,980
ZIP code2 bd3 bd
46373 $1,490$1,810
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. John 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 3 HUD-approved agencies with an office in Lake County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for St. John or Lake County. The ones below are statewide in Indiana: they work in St. John the same as in the rest of the state.
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).
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).
No legal help resource on our list is for St. John or Lake County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for St. John and all of Lake 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 St. John?
The typical home value in St. John is $406,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $230,600.
How much does it cost to rent in St. John?
Typical rent in St. John is $989 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $1,429.
What is the FHA loan limit in St. John?
St. John uses the FHA limit for all of Lake 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 St. John?
The typical homeowner in St. John pays $3,725 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Lake County, the rate is 0.92%.
Where can I find free help to buy or rent in St. John?
There are 3 HUD-approved counseling agencies with an office in Lake County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
