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City · 12,367 residents · Daviess County, Indiana

Washington , Indiana

In Washington, a typical home is worth $152,200 and typical rent is $858 a month. Compared with all of Daviess County, typical household income is 27% lower, the typical home value is 23% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $152,200

    23% below the county

    30% below Indiana

    • Washington
    • Daviess
    • Indiana

  • Typical rent

    $858a month

    About the same as the county

    19% below Indiana

    • Washington
    • Daviess
    • Indiana

  • Typical household income

    $50,331a year

    27% below the county

    30% below Indiana

    • Washington
    • Daviess
    • Indiana

  • Households that own their home

    55%

    17 points below the county

    16 points below Indiana

    • Washington
    • Daviess
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$144,349
3.1% more than 12 months ago

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

Washington is in Daviess 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 Daviess County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Washington apart

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

  1. Nearby, in Linton, the typical home value is $86,000: 43% less than in Washington ($152,200).

  2. 55% of households in Washington own their home, against 72% in Daviess County.

  3. The typical household income in Washington is $50,331, 27% less than in Daviess County as a whole ($68,503).

  4. The typical home in Washington is worth $152,200, 23% less than in Daviess County as a whole ($197,200).

  5. 9% of households in Washington have no internet at home (15% in Daviess County).

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

The homes here

Housing in Washington

What homes there are in Washington, 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 Washington, but it weighs less than in Daviess County: 71% against 81%.

There are more mobile homes here than in Daviess County: 12% of homes, against 8%.

Year built

Homes in Washington are older: the typical year built is 1960; in Daviess County, 1975.

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 Washington sit below it: they are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Daviess County is $1,090; about 72% of rents in Washington are below it.

With a mortgage

$1,180 a month

Daviess County: $1,269 a month

Without a mortgage

$501 a month

Daviess County: $492 a month

Owners with a mortgage

60%

Daviess County: 53%

In Washington, 60% of owners have a mortgage, and their typical cost is $1,180 a month, against $1,269 in Daviess County. Without one it drops to $501.

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, homes in Washington gained value faster than in Daviess County: 76% against 52%.

Rents in Washington rose at about the same pace as in Daviess County: 22% since 2015–2019, against 22%.

The typical household income in Washington rose 20% over that time; home values changed +76% and rent +22%.

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

MeasureWashingtonDaviess 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 estimate4.5%1.8%3.4%
People per household 2.442.802.462.53
Drive alone 79%68%76%69%
Carpool 12%20%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate5%2%3%
Work from home 5%6%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Washington are smaller: 2.44 people on average; in Daviess County, 2.80.

To get to work, 79% of workers in Washington drive alone; in Daviess County, 68%.

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 Washington?

A typical home is tight for the typical income

We start with a typical home in Washington, worth $152,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Washington, which is $50,331 a year. For that payment to be 28% of income, a household would need to earn about $53,285 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Washington. 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 $5,327 (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

$1,243

at 7.18% · 30 years

Loan amount
$149,443
Total interest
$215,014
Paid off in
November 2056

Includes $2,570 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,174 a month

  • Tight

    $1,174 to $1,510 a month

    Your payment · 30%

  • Hard

    more than $1,510 a month

Compared with the typical household income in Washington ($50,331 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,243
Principal & interest$1,012
Property tax$100
Home insurance$63
FHA mortgage insurance (MIP)$67

You need at least $5,327 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

Washington and Daviess County

Washington is in Daviess 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).

Washington's own numbers

Typical home value
$152,200
Typical monthly rent
$858
Typical yearly household income
$50,331
Households that own their home
55%
Effective property tax rate
0.79%

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

Numbers for all of Daviess County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,090
Price change over 5 years (FHFA)
+52%

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 Daviess County.

Everything about Daviess County

Buying

Buying a home in Washington

A typical home in Washington is worth $152,200: 23% below the county and 30% below Indiana. With the typical household income in Washington ($50,331 a year), a typical home costs 3.0 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.

  • Washington 3.0 years
  • Daviess 2.9 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Daviess County

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

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

Period County Indiana U.S.
Last year (2025) +1.1% +4.3% +2.9%
5 years (2020–2025) +52% +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

Washington next to Daviess 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
  • Washington $152,200
  • Daviess $197,200
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Washington $858
  • Daviess $847
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Washington $50,331
  • Daviess $68,503
  • Indiana $71,957
  • United States $80,734
See the full table
Washington next to Daviess County and Indiana
Measure Washington Daviess County Indiana U.S.
Typical home value $152,200 $197,200 $218,200 $332,700
Typical monthly rent $858 $847 $1,062 $1,413
Typical yearly household income $50,331 $68,503 $71,957 $80,734
Households that own their home 55% 72% 71% 65%
Typical yearly property tax $1,202 $1,351 $1,614 $3,119
Effective property tax rate 0.79% 0.69% 0.74% 0.94%
Renters with high rent for their income 49% 44% 48% 51%

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

For a typical $152,200 home in Washington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Washington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,243a month

    Least cash to close
    Down payment
    $5,327
    Cash to close
    $9,893
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,215a month

    Down payment
    $7,610
    Cash to close
    $12,176
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $988a month

    Down payment
    $30,440
    Cash to close
    $35,006
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,129a month

    Down payment
    $22,830
    Cash to close
    $27,396
    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 Washington and for Daviess County.

Property tax

Effective rate in Washington

0.79%of the home’s value each year

$1,202 a year for the typical owner in Washington.

  • Washington 0.79%
  • Daviess 0.69%
  • 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 Daviess County

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

FEMA’s maps count no homes in the high-risk zone in Daviess County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Washington

Typical rent in Washington is $858 a month: about the same as the county. In Washington, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Daviess County, by unit size. To pay the 2-bedroom one ($1,090 a month) without spending more than 30% of your income, you would need to earn $20.96 an hour working full time.

HUD fair market rent for all of Daviess 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 $815 $15.67 $32,600
1 bedroom $833 $16.02 $33,320
2 bedrooms $1,090 $20.96 $43,600
3 bedrooms $1,336 $25.69 $53,440
4 bedrooms $1,433 $27.56 $57,320

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 Washington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Washington is in ZIP code 47501.

For 2 bedrooms it is $1,100: $10 more than the fair market rent for Daviess County ($1,090).

  • 47501 $1,100$1,350

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

HUD lists 6 buildings with rents for lower incomes in Washington. These are the largest.

  • Washington Towers 520 SE 2nd St, Washington 47501 190 homes, 189 low-income · Run by Washington Housing Authority · Average payment: $362 a month · Average wait: 3 months (812) 254-1596
  • Jamestown Square Washington 110 Jamestown Sq, Washington 47501 150 low-income homes · For older adults (812) 254-6394
  • Cherry Tree Court Apts 376 S 100 E, Washington 47501 78 homes, 69 low-income · 1 bd: 6 · 2 bd: 37 · 3 bd: 25 · 4 bd: 10 · In service since 2007
  • Shepherd Hill Apts 900 S Meridian St, Washington 47501 56 low-income homes · 1 bd: 8 · 2 bd: 36 · 3 bd: 12 · In service since 2002 · For families (812) 254-1381
  • Westwood Crossing 102 Westwood Pl, Washington 47501 37 homes

See all 7 buildings in Daviess County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Washington

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Washington

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

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

  • Dubois Pike Warrick Economic Opportunity Committee, Inc. D/B/A Tri-Cap

    607 3rd Ave, Jasper · 23 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (812) 482-2233

  • 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

  • Hope of Evansville, Inc

    900 N Main St, Evansville · 51 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (812) 423-3169

All counseling agencies in Indiana

Help in Spanish near Washington

None 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 Washington

HUD’s record names them for Washington or Daviess 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 Washington, with the typical home value.

Everything about Daviess County Housing in Indiana

Neighboring counties

If Daviess 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 Washington.

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

Questions

Housing questions about Washington

Short answers with the numbers for Washington and all of Daviess 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 Washington?

The typical home value in Washington is $152,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Daviess County it is $197,200.

How much does it cost to rent in Washington?

Typical rent in Washington is $858 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Daviess County is $1,090.

What is the FHA loan limit in Washington?

Washington uses the FHA limit for all of Daviess 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 Washington?

The typical homeowner in Washington pays $1,202 a year, according to the U.S. Census Bureau. That is 0.79% of the home’s value; in Daviess County, the rate is 0.69%.

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

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