Typical home value from Zillow, September 2021 to September 2026: from $382,049 to $475,645.
Typical rent
$1,922a month
▲ 5.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,507 to $1,922.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Westfield is in Hamilton 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 Hamilton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cicero, the typical rent is $737: 56% less than in Westfield ($1,667).
2
Westfield has the 4th highest typical home value of the 134 cities in Indiana with more than 5,000 people ($425,700).
3
Westfield has the 6th highest typical rent of the 132 cities in Indiana with more than 5,000 people ($1,667).
4
Nearby, in Cicero, the typical home value is $282,100: 34% less than in Westfield ($425,700).
5
Westfield has the 8th highest typical household income of the 134 cities in Indiana with more than 5,000 people ($122,789).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Westfield
What homes there are in Westfield, 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
Westfield
Hamilton County
Indiana
United States
Kind of home: Westfield and its comparisons
Measure
Westfield
Hamilton County
Indiana
United States
Detached house
78%
75%
73%
61%
Attached house
7%
5%
4%
6%
Building of 2 to 4
4%
4%
6%
8%
Apartments (5 or more)
10%
15%
13%
19%
Mobile home
1%
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Westfield, 8 in 10 homes are single-family detached houses; in Hamilton County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Westfield
Hamilton County
Indiana
United States
Year built: Westfield and its comparisons
Measure
Westfield
Hamilton County
Indiana
United States
Before 1960
Unreliable estimate
7%
31%
26%
1960–1979
5%
11%
24%
24%
1980–1999
20%
30%
23%
25%
2000–2009
23%
25%
12%
14%
2010 or later
50%
27%
10%
11%
The typical home in Westfield was built in 2010, 9 years after the typical one in Hamilton County.
By size, homes in Westfield look like those in Hamilton County: 78% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K2%
$100K–$200KUnreliable
$200K–$300K13%
$300K–$500K49%
$500K–$750K22%
$750K–$1M7%
$1M or more6%
Value of owner-occupied homes: Westfield and its comparisons
Measure
Westfield
Under $100K
2%
$100K–$200K
Unreliable estimate
$200K–$300K
13%
$300K–$500K
49%
$500K–$750K
22%
$750K–$1M
7%
$1M or more
6%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49924%
$1,500–$1,99943%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Westfield and its comparisons
Measure
Westfield
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
24%
$1,500–$1,999
43%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,225 a month
Hamilton County: $2,133 a month
Without a mortgage
$767 a month
Hamilton County: $749 a month
Owners with a mortgage
78%
Hamilton County: 73%
Owning costs about the same in Westfield as in Hamilton County: with a mortgage, $2,225 a month; without one, $767.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Westfield+67%
Hamilton County+54%
Indiana+54%
United States+53%
Typical rent
Westfield+38%
Hamilton County+34%
Indiana+29%
United States+33%
Typical household income
Westfield+25%
Hamilton County+24%
Indiana+28%
United States+29%
Change since 2015–2019: Westfield and its comparisons
Measure
Westfield
Hamilton County
Indiana
United States
Typical home value
+67%
+54%
+54%
+53%
Typical rent
+38%
+34%
+29%
+33%
Typical household income
+25%
+24%
+28%
+29%
The typical home value in Westfield rose 67% since 2015–2019, more than in Hamilton County (54%).
The typical rent in Westfield rose 38% over the same time; in Hamilton County, it rose 34%.
Here income did not keep up with housing: it rose 25%, while home values changed +67% and rent +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Westfield and its comparisons
Measure
Westfield
Hamilton County
Indiana
United States
Rental vacancy
Unreliable estimate
6.6%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.8%
3.4%
People per household
2.59
2.64
2.46
2.53
Drive alone
69%
69%
76%
69%
Carpool
7%
6%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
21%
23%
11%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Westfield look like those in Hamilton County: 2.59 people on average.
To get to work, 69% of workers in Westfield drive alone; in Hamilton County, 69%.
Do the math
What would you pay each month for a home in Westfield?
A typical home is tight for the typical income
We start with a typical home in Westfield, worth $425,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Westfield, which is $122,789 a year. For that payment to be 28% of income, a household would need to earn about $150,557 a year.
The calculator's FHA and conventional loan limits are those of all of Hamilton 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 Westfield. 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 $14,900 (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
$3,513
at 7.18% · 30 years
Loan amount
$417,989
Total interest
$601,388
Paid off in
November 2056
Includes $7,189 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,865 a month
Tight
$2,865 to $3,684 a month
Your payment · 34%
Hard
more than $3,684 a month
Compared with the typical household income in Westfield ($122,789 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,832
Property tax
$316
Home insurance
$177
FHA mortgage insurance (MIP)
$188
You need at least $14,900 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 $3,513; principal and interest $2,832.
The city and its county
Westfield and Hamilton County
Westfield is in Hamilton 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).
Westfield
Map of Hamilton County, Indiana, with Westfield marked. Around it, the neighboring counties.
Westfield
Hamilton County
Other cities with a page
Westfield's own numbers
Typical home value
$425,700
Typical monthly rent
$1,667
Typical yearly household income
$122,789
Households that own their home
79%
Effective property tax rate
0.89%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hamilton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,536
Price change over 5 years (FHFA)
+60%
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 Hamilton County.
A typical home in Westfield is worth $425,700: 5% above the county and 95% above Indiana. With the typical household income in Westfield ($122,789 a year), a typical home costs 3.5 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.
Westfield3.5 years
Hamilton3.3 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hamilton County
According to FHFA’s house price index, home prices in Hamilton County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hamilton County.
Yearly change in FHFA’s price index in Hamilton County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: +4.8% +4.8% 2017
2018: +6.6% +6.6% 2018
2019: +5.8% +5.8% 2019
2020: +2.6% +2.6% 2020
2021: +11.6% +11.6% 2021
2022: +18.7% +18.7% 2022
2023: +9.9% +9.9% 2023
2024: +4.4% +4.4% 2024
2025: +4.8% +4.8% 2025
Change in FHFA’s price index in Hamilton County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+4.8%
+4.3%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+103%
+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
Westfield next to Hamilton 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
Westfield$425,700
Hamilton$405,500
Indiana$218,200
United States$332,700
Typical monthly rent
Westfield$1,667
Hamilton$1,574
Indiana$1,062
United States$1,413
Typical yearly household income
Westfield$122,789
Hamilton$121,530
Indiana$71,957
United States$80,734
See the full table
Westfield next to Hamilton County and Indiana
Measure
Westfield
Hamilton County
Indiana
U.S.
Typical home value
$425,700 ▲5% above the county
$405,500
$218,200
$332,700
Typical monthly rent
$1,667 ▲6% above the county
$1,574
$1,062
$1,413
Typical yearly household income
$122,789
$121,530
$71,957
$80,734
Households that own their home
79% ▲3 points above the county
76%
71%
65%
Typical yearly property tax
$3,802 ▲7% above the county
$3,549
$1,614
$3,119
Effective property tax rate
0.89% ▲0.01 points above the county
0.88%
0.74%
0.94%
Renters with high rent for their income
46% ▲4 points above the county
42%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hamilton 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 Westfield
For a typical $425,700 home in Westfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,513a month
Least cash to close
Down payment
$14,900
Cash to close
$27,671
Rate
7.18%
Mortgage insurance
FHA MIP · $188
Conventional, 5% down$3,435a month
Down payment
$21,285
Cash to close
$34,056
Rate
7.18%
Mortgage insurance
PMI · $202
Conventional, 20% down, no PMI$2,800a month
Down payment
$85,140
Cash to close
$97,911
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,194a month
Down payment
$63,855
Cash to close
$76,626
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Westfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,513
$14,900
$417,990
7.18%
FHA MIP · $188
$27,671
580
Conventional, 5% down
$3,435
$21,285
$404,415
7.18%
PMI · $202
$34,056
620*
Conventional, 20% down, no PMI
$2,800
$85,140
$340,560
7.18%
None
$97,911
620*
ITIN, 15% down (example)
$3,194
$63,855
$361,845
8.18%
None
$76,626
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 Westfield is $1,667 a month: 6% above the county. In Westfield, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hamilton County, by unit size. To pay the 2-bedroom one ($1,536 a month) without spending more than 30% of your income, you would need to earn $29.54 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 Hamilton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,187
$22.83
$47,480
1 bedroom
$1,336
$25.69
$53,440
2 bedrooms
$1,536
$29.54
$61,440
3 bedrooms
$1,991
$38.29
$79,640
4 bedrooms
$2,425
$46.63
$97,000
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 Westfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westfield is in ZIP code 46074.
For 2 bedrooms it is $2,120: $584 more than the fair market rent for Hamilton County ($1,536).
Fair market rent by ZIP code and size in Westfield, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
46074
$1,640
$1,840
$2,120
$2,750
$3,350
ZIP code2 bd3 bd
46074 $2,120$2,750
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Westfield 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.
We found no HUD-approved agencies with an office in Hamilton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Westfield or Hamilton County. The ones below are statewide in Indiana: they work in Westfield 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 Westfield or Hamilton 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 Westfield and all of Hamilton 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 Westfield?
The typical home value in Westfield is $425,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $405,500.
How much does it cost to rent in Westfield?
Typical rent in Westfield is $1,667 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hamilton County is $1,536.
What is the FHA loan limit in Westfield?
Westfield uses the FHA limit for all of Hamilton 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 Westfield?
The typical homeowner in Westfield pays $3,802 a year, according to the U.S. Census Bureau. That is 0.89% of the home’s value; in Hamilton County, the rate is 0.88%.
Where can I find free help to buy or rent in Westfield?
We found no HUD-approved counseling agencies with an office in Hamilton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
