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City · 58,427 residents · Vigo County, Indiana

Terre Haute , Indiana

In Terre Haute, a typical home is worth $115,700 and typical rent is $922 a month. Compared with all of Vigo County, the typical home value is 22% lower, typical household income is 19% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $115,700

    22% below the county

    47% below Indiana

    • Terre Haute
    • Vigo
    • Indiana

  • Typical rent

    $922a month

    About the same as the county

    13% below Indiana

    • Terre Haute
    • Vigo
    • Indiana

  • Typical household income

    $43,126a year

    19% below the county

    40% below Indiana

    • Terre Haute
    • Vigo
    • Indiana

  • Households that own their home

    52%

    9 points below the county

    18 points below Indiana

    • Terre Haute
    • Vigo
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$158,602
about the same as 12 months ago
Typical rent
$993 a month
3.3% more than 12 months ago

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

Terre Haute is in Vigo 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 Vigo County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Terre Haute apart

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

  1. Terre Haute has the 6th lowest typical household income of the 134 cities in Indiana with more than 5,000 people ($43,126).

  2. Nearby, in Linton, the typical home value is $86,000: 26% less than in Terre Haute ($115,700).

  3. The typical home in Terre Haute is worth $115,700, 22% less than in Vigo County as a whole ($148,500).

  4. 52% of households in Terre Haute own their home, against 62% in Vigo County.

  5. Terre Haute has the 10th largest share of rent-burdened renters of the 120 cities in Indiana with more than 5,000 people (61%).

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

The homes here

Housing in Terre Haute

What homes there are in Terre Haute, 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

In Terre Haute, 7 in 10 homes are single-family detached houses; in Vigo County, 7.

Year built

The typical home in Terre Haute was built in 1957, 11 years before the typical one in Vigo County.

In Terre Haute, 22% of homes have 1 bedroom or none (studios); 41% have 3 bedrooms or more, against 51% in Vigo 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

At least 98% of owner-occupied homes in Terre Haute are worth less than $500,000, below the FHA loan limit for Vigo County ($541,287).

Monthly rent with utilities

About 72% of rented homes in Terre Haute cost less than HUD's 2-bedroom fair market rent for Vigo County ($1,164).

With a mortgage

$1,041 a month

Vigo County: $1,134 a month

Without a mortgage

$450 a month

Vigo County: $478 a month

Owners with a mortgage

61%

Vigo County: 61%

Owning costs less in Terre Haute: with a mortgage, the typical cost is $1,041 a month; in Vigo County, $1,134. Without one, $450.

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

The typical home value in Terre Haute rose 47% since 2015–2019, less than in Vigo County (52%).

Much as in Vigo County, the typical rent in Terre Haute rose 26% since 2015–2019.

Here income did not keep up with housing: it rose 19%, while home values changed +47% and rent +26%.

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

MeasureTerre HauteVigo CountyIndianaUnited States
Rental vacancy 6.5%5.7%5.6%5.5%
Homeowner vacancy 2.7%1.6%0.8%0.9%
More than one person per room 3.6%2.7%1.8%3.4%
People per household 2.232.332.462.53
Drive alone 74%78%76%69%
Carpool 13%12%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 6%3%2%3%
Work from home 6%6%11%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Terre Haute look like those in Vigo County: the rental vacancy rate is 6.5%.

More than one person per room: that is how 3.6% of households in Terre Haute live, near the figure in Vigo County (2.7%).

Much as in Vigo County, a household in Terre Haute has 2.23 people on average.

In Terre Haute, 74% of workers drive alone to work; in Vigo 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 Terre Haute?

A typical home is within reach of the typical income

We start with a typical home in Terre Haute, worth $115,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Terre Haute, which is $43,126 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Terre Haute. 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 $4,050 (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

$961

at 7.18% · 30 years

Loan amount
$113,604
Total interest
$163,449
Paid off in
November 2056

Includes $1,954 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,006 a month

    Your payment · 27%

  • Tight

    $1,006 to $1,294 a month

  • Hard

    more than $1,294 a month

Compared with the typical household income in Terre Haute ($43,126 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$961
Principal & interest$770
Property tax$92
Home insurance$48
FHA mortgage insurance (MIP)$51

You need at least $4,050 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

Terre Haute and Vigo County

Terre Haute is in Vigo 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).

Terre Haute's own numbers

Typical home value
$115,700
Typical monthly rent
$922
Typical yearly household income
$43,126
Households that own their home
52%
Effective property tax rate
0.95%

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

Numbers for all of Vigo County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,164
Price change over 5 years (FHFA)
+53%
Homes in a high flood-risk zone
4.3%

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 Vigo County.

Everything about Vigo County

Buying

Buying a home in Terre Haute

A typical home in Terre Haute is worth $115,700: 22% below the county and 47% below Indiana. With the typical household income in Terre Haute ($43,126 a year), a typical home costs 2.7 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.

  • Terre Haute 2.7 years
  • Vigo 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 Vigo County

According to FHFA’s house price index, home prices in Vigo County rose 82% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +6.7% +4.3% +2.9%
5 years (2020–2025) +53% +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

Terre Haute next to Vigo 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
  • Terre Haute $115,700
  • Vigo $148,500
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Terre Haute $922
  • Vigo $924
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Terre Haute $43,126
  • Vigo $52,976
  • Indiana $71,957
  • United States $80,734
See the full table
Terre Haute next to Vigo County and Indiana
Measure Terre Haute Vigo County Indiana U.S.
Typical home value $115,700 $148,500 $218,200 $332,700
Typical monthly rent $922 $924 $1,062 $1,413
Typical yearly household income $43,126 $52,976 $71,957 $80,734
Households that own their home 52% 62% 71% 65%
Typical yearly property tax $1,104 $1,313 $1,614 $3,119
Effective property tax rate 0.95% 0.88% 0.74% 0.94%
Renters with high rent for their income 61% 57% 48% 51%

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

For a typical $115,700 home in Terre Haute, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Terre Haute's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $961a month

    Least cash to close
    Down payment
    $4,050
    Cash to close
    $7,521
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $51

  • Conventional, 5% down $939a month

    Down payment
    $5,785
    Cash to close
    $9,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $55

  • Conventional, 20% down, no PMI $767a month

    Down payment
    $23,140
    Cash to close
    $26,611
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $874a month

    Down payment
    $17,355
    Cash to close
    $20,826
    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 Terre Haute and for Vigo County.

Property tax

Effective rate in Terre Haute

0.95%of the home’s value each year

$1,104 a year for the typical owner in Terre Haute.

  • Terre Haute 0.95%
  • Vigo 0.88%
  • 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 Vigo County

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

Homes in the high-risk zone
4.3%
1,676
Of those, with NFIP insurance
24%
County Indiana U.S.
Homes in the high-risk zone 4.3% 2.3% 3.5%
Of those, with NFIP insurance 24% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Terre Haute

Typical rent in Terre Haute is $922 a month: about the same as the county. In Terre Haute, 61% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Vigo County, by unit size. To pay the 2-bedroom one ($1,164 a month) without spending more than 30% of your income, you would need to earn $22.38 an hour working full time.

HUD fair market rent for all of Vigo 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 $890 $17.12 $35,600
1 bedroom $896 $17.23 $35,840
2 bedrooms $1,164 $22.38 $46,560
3 bedrooms $1,387 $26.67 $55,480
4 bedrooms $1,610 $30.96 $64,400

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 Terre Haute

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Terre Haute has 5 ZIP codes with their own.

For 2 bedrooms it runs from $1,180 in 47802 to $1,220 in 47804.

5 of the 5 are above the fair market rent for Vigo County ($1,164).

  • 47802 $1,180$1,410
  • 47803 $1,220$1,450
  • 47804 $1,220$1,450
  • 47807 $1,190$1,420
  • 47809 $1,190$1,420

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Terre Haute 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 Terre Haute

HUD lists 19 buildings with rents for lower incomes in Terre Haute. These are the largest.

  • Dreiser Square - 2 1265 Dreiser Sq, Terre Haute 47802 256 low-income homes · Run by Housing Authority of the City of Terre Haute · Average payment: $356 a month · Average wait: 8 months (812) 232-1381
  • Turnkey-1982 2919 N 15th St, Terre Haute 47804 162 low-income homes · Run by Housing Authority of the City of Terre Haute · Average payment: $541 a month · Average wait: 9 months · Homes at several sites (812) 232-1381
  • Garfield Towers 2200 Garfield Ave, Terre Haute 47804 152 low-income homes · Run by Housing Authority of the City of Terre Haute · Average payment: $311 a month (812) 232-1381
  • Silver Birch of Terre Haute 650 Lafayette Ave, Terre Haute 47807 119 low-income homes · Studio: 80 · 1 bd: 39 · In service since 2019
  • Warren Village 1300 N 25th St, Terre Haute 47803 109 low-income homes · 1 bd: 11 · In service since 2014 · For older adults (812) 232-1381

See all 20 buildings in Vigo County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Terre Haute

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Terre Haute

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

The HUD-approved agencies closest to the center of Terre Haute, 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 · 49 miles away

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

  • Indianapolis Neighborhood Housing Partnership

    2690 N Meridian St, Indianapolis · 69 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (317) 610-4663

  • Indianapolis Neighborhood Housing Partnership Homeownership Center at Glendale

    2960 N Meridian St, Indianapolis · 69 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (317) 610-4663

All counseling agencies in Indiana

Help in Spanish near Terre Haute

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 Terre Haute

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

  • Housing Authority of the City of Terre Haute Public housing and Section 8 vouchers (812) 232-1381

All housing agencies in Indiana Source: HUD

Cities

Nearby cities

The cities closest to Terre Haute, with the typical home value.

Everything about Vigo County Housing in Indiana

Neighboring counties

If Vigo 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 Terre Haute.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Terre Haute

Short answers with the numbers for Terre Haute and all of Vigo 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 Terre Haute?

The typical home value in Terre Haute is $115,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Vigo County it is $148,500.

How much does it cost to rent in Terre Haute?

Typical rent in Terre Haute is $922 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Vigo County is $1,164.

What is the FHA loan limit in Terre Haute?

Terre Haute uses the FHA limit for all of Vigo 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 Terre Haute?

The typical homeowner in Terre Haute pays $1,104 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Vigo County, the rate is 0.88%.

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

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