In Whiteland, a typical home is worth $232,100 and typical rent is $1,661 a month. Compared with all of Johnson County, typical rent is 31% higher, the typical home value is 18% lower, and the share of households that own their home is 21 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $238,848 to $297,021.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Whiteland is in Johnson 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 Johnson County. See the county
What this place has that others do not, from public data, most unusual first.
1
94% of households in Whiteland own their home, against 73% in Johnson County.
2
Nearby, in Beech Grove, the typical rent is $1,091: 34% less than in Whiteland ($1,661).
3
Whiteland has the 7th highest typical rent of the 132 cities in Indiana with more than 5,000 people ($1,661).
4
Nearby, in Beech Grove, the typical home value is $182,600: 21% less than in Whiteland ($232,100).
5
The typical home in Whiteland is worth $232,100,18% less than in Johnson County as a whole ($284,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Whiteland
What homes there are in Whiteland, 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
Whiteland
Johnson County
Indiana
United States
Kind of home: Whiteland and its comparisons
Measure
Whiteland
Johnson County
Indiana
United States
Detached house
97%
77%
73%
61%
Attached house
Unreliable estimate
5%
4%
6%
Building of 2 to 4
Unreliable estimate
4%
6%
8%
Apartments (5 or more)
Unreliable estimate
12%
13%
19%
Mobile home
Unreliable estimate
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 97% of homes here, against 77% in Johnson County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Whiteland
Johnson County
Indiana
United States
Year built: Whiteland and its comparisons
Measure
Whiteland
Johnson County
Indiana
United States
Before 1960
16%
15%
31%
26%
1960–1979
9%
19%
24%
24%
1980–1999
53%
29%
23%
25%
2000–2009
9%
21%
12%
14%
2010 or later
14%
16%
10%
11%
The typical year built in Whiteland is 1992, about the same as in Johnson County (1993).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K29%
$200K–$300K38%
$300K–$500K27%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Whiteland and its comparisons
Measure
Whiteland
Under $100K
Unreliable estimate
$100K–$200K
29%
$200K–$300K
38%
$300K–$500K
27%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
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: Whiteland and its comparisons
Measure
Whiteland
Under $500
Unreliable
$500–$999
Unreliable
$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
$1,336 a month
Johnson County: $1,583 a month
Without a mortgage
$518 a month
Johnson County: $564 a month
Owners with a mortgage
76%
Johnson County: 70%
Owning costs less in Whiteland: with a mortgage, the typical cost is $1,336 a month; in Johnson County, $1,583. Without one, $518.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Whiteland+64%
Johnson County+73%
Indiana+54%
United States+53%
Typical rent
Whiteland+65%
Johnson County+33%
Indiana+29%
United States+33%
Typical household income
WhitelandNo clear change
Johnson County+25%
Indiana+28%
United States+29%
Change since 2015–2019: Whiteland and its comparisons
Measure
Whiteland
Johnson County
Indiana
United States
Typical home value
+64%
+73%
+54%
+53%
Typical rent
+65%
+33%
+29%
+33%
Typical household income
No clear change
+25%
+28%
+29%
The typical home value in Whiteland rose 64% since 2015–2019, less than in Johnson County (73%).
Since 2015–2019, the typical rent in Whiteland rose 65%, more than in Johnson County (33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Whiteland and its comparisons
Measure
Whiteland
Johnson County
Indiana
United States
Rental vacancy
Unreliable estimate
5.8%
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.6%
1.8%
3.4%
People per household
2.89
2.61
2.46
2.53
Drive alone
80%
77%
76%
69%
Carpool
Unreliable estimate
7%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
14%
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
More people live in each home here: 2.89 on average, against 2.61 in Johnson County.
To get to work, 80% of workers in Whiteland drive alone; in Johnson County, 77%.
Do the math
What would you pay each month for a home in Whiteland?
A typical home is within reach of the typical income
We start with a typical home in Whiteland, worth $232,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Whiteland, which is $96,944 a year.
The calculator's FHA and conventional loan limits are those of all of Johnson 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 Whiteland. 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 $8,124 (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
$1,879
at 7.18% · 30 years
Loan amount
$227,896
Total interest
$327,888
Paid off in
November 2056
Includes $3,920 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,262 a month
Your payment · 23%
Tight
$2,262 to $2,908 a month
Hard
more than $2,908 a month
Compared with the typical household income in Whiteland ($96,944 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,544
Property tax
$135
Home insurance
$97
FHA mortgage insurance (MIP)
$103
You need at least $8,124 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 $1,879; principal and interest $1,544.
The city and its county
Whiteland and Johnson County
Whiteland is in Johnson 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).
Whiteland
Map of Johnson County, Indiana, with Whiteland marked. Around it, the neighboring counties.
Whiteland
Johnson County
Other cities with a page
Whiteland's own numbers
Typical home value
$232,100
Typical monthly rent
$1,661
Typical yearly household income
$96,944
Households that own their home
94%
Effective property tax rate
0.7%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Johnson 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)
+56%
Homes in a high flood-risk zone
2.7%
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 Johnson County.
A typical home in Whiteland is worth $232,100: 18% below the county and 6% above Indiana. With the typical household income in Whiteland ($96,944 a year), a typical home costs 2.4 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.
Whiteland2.4 years
Johnson3.1 years
Indiana3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Johnson County
According to FHFA’s house price index, home prices in Johnson County rose 105% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Johnson County.
Yearly change in FHFA’s price index in Johnson County, 2016 to 2025
2016: +4.6% +4.6% 2016
2017: +4.2% +4.2% 2017
2018: +8.8% +8.8% 2018
2019: +6.3% +6.3% 2019
2020: +4.6% +4.6% 2020
2021: +13.6% +13.6% 2021
2022: +17.5% +17.5% 2022
2023: +7.7% +7.7% 2023
2024: +3.2% +3.2% 2024
2025: +4.8% +4.8% 2025
Change in FHFA’s price index in Johnson County, Indiana and the United States
Period
County
Indiana
U.S.
Last year (2025)
+4.8%
+4.3%
+2.9%
5 years (2020–2025)
+56%
+53%
+47%
10 years (2015–2025)
+105%
+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
Whiteland next to Johnson 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
Whiteland$232,100
Johnson$284,600
Indiana$218,200
United States$332,700
Typical monthly rent
Whiteland$1,661
Johnson$1,271
Indiana$1,062
United States$1,413
Typical yearly household income
Whiteland$96,944
Johnson$90,454
Indiana$71,957
United States$80,734
See the full table
Whiteland next to Johnson County and Indiana
Measure
Whiteland
Johnson County
Indiana
U.S.
Typical home value
$232,100 ▼18% below the county
$284,600
$218,200
$332,700
Typical monthly rent
$1,661 ▲31% above the county
$1,271
$1,062
$1,413
Typical yearly household income
$96,944 ▲7% above the county
$90,454
$71,957
$80,734
Households that own their home
94% ▲21 points above the county
73%
71%
65%
Typical yearly property tax
$1,614 ▼20% below the county
$2,024
$1,614
$3,119
Effective property tax rate
0.7% ▼0.01 points below the county
0.71%
0.74%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson 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 Whiteland
For a typical $232,100 home in Whiteland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Whiteland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,879a month
Least cash to close
Down payment
$8,124
Cash to close
$15,087
Rate
7.18%
Mortgage insurance
FHA MIP · $103
Conventional, 5% down$1,836a month
Down payment
$11,605
Cash to close
$18,568
Rate
7.18%
Mortgage insurance
PMI · $110
Conventional, 20% down, no PMI$1,490a month
Down payment
$46,420
Cash to close
$53,383
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,705a month
Down payment
$34,815
Cash to close
$41,778
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Whiteland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,879
$8,124
$227,896
7.18%
FHA MIP · $103
$15,087
580
Conventional, 5% down
$1,836
$11,605
$220,495
7.18%
PMI · $110
$18,568
620*
Conventional, 20% down, no PMI
$1,490
$46,420
$185,680
7.18%
None
$53,383
620*
ITIN, 15% down (example)
$1,705
$34,815
$197,285
8.18%
None
$41,778
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 Whiteland is $1,661 a month: 31% above the county.
HUD publishes a fair market rent for all of Johnson 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 Johnson 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 Whiteland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Whiteland is in ZIP code 46184.
For 2 bedrooms it is $2,280: $744 more than the fair market rent for Johnson County ($1,536).
Fair market rent by ZIP code and size in Whiteland, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
46184
$1,760
$1,980
$2,280
$2,960
$3,600
ZIP code2 bd3 bd
46184 $2,280$2,960
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Whiteland 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 Johnson 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 Whiteland or Johnson County. The ones below are statewide in Indiana: they work in Whiteland 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 Whiteland or Johnson 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 Whiteland and all of Johnson 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 Whiteland?
The typical home value in Whiteland is $232,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $284,600.
How much does it cost to rent in Whiteland?
Typical rent in Whiteland is $1,661 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,536.
What is the FHA loan limit in Whiteland?
Whiteland uses the FHA limit for all of Johnson 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 Whiteland?
The typical homeowner in Whiteland pays $1,614 a year, according to the U.S. Census Bureau. That is 0.7% of the home’s value; in Johnson County, the rate is 0.71%.
Where can I find free help to buy or rent in Whiteland?
We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
