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City · 12,466 residents · Boone County, Indiana

Whitestown , Indiana

In Whitestown, a typical home is worth $373,500 and typical rent is $1,842 a month. Compared with all of Boone County, typical rent is 36% higher, typical household income is 11% higher, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $373,500

    About the same as the county

    71% above Indiana

    • Whitestown
    • Boone
    • Indiana

  • Typical rent

    $1,842a month

    36% above the county

    73% above Indiana

    • Whitestown
    • Boone
    • Indiana

  • Typical household income

    $123,643a year

    11% above the county

    72% above Indiana

    • Whitestown
    • Boone
    • Indiana

  • Households that own their home

    70%

    9 points below the county

    1 points below Indiana

    • Whitestown
    • Boone
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$362,576
0.7% more than 12 months ago
Typical rent
$2,133 a month
7.2% more than 12 months ago

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

Whitestown is in Boone 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 Boone County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Whitestown apart

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

  1. Whitestown has the highest typical rent of the 132 cities in Indiana with more than 5,000 people: $1,842.

  2. Nearby, in Lebanon, the typical rent is $962: 48% less than in Whitestown ($1,842).

  3. Nearby, in Lebanon, the typical home value is $195,600: 48% less than in Whitestown ($373,500).

  4. Whitestown has the 6th highest typical household income of the 134 cities in Indiana with more than 5,000 people ($123,643).

  5. Whitestown has the 8th highest typical home value of the 134 cities in Indiana with more than 5,000 people ($373,500).

  6. 70% of households in Whitestown own their home, against 79% in Boone County.

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

The homes here

Housing in Whitestown

What homes there are in Whitestown, 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 Whitestown, but it weighs less than in Boone County: 74% against 80%.

Year built

Homes in Whitestown are newer: the typical year built is 2014; in Boone County, 1995.

By size, homes in Whitestown look like those in Boone County: 75% have 3 bedrooms or more.

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
Monthly rent with utilities

With a mortgage

$2,109 a month

Boone County: $2,012 a month

Without a mortgage

$776 a month

Boone County: $662 a month

Owners with a mortgage

88%

Boone County: 73%

In Whitestown, 88% of owners have a mortgage; their typical cost is $2,109 a month, about the same as in Boone County.

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

From 2015–2019 to 2020–2024, the typical home value in Whitestown rose 66%; in Boone County, it rose 61%.

Since 2015–2019, the typical rent in Whitestown rose 40%, more than in Boone County (34%).

The typical household income in Whitestown rose 46% over that time; home values changed +66% and rent +40%.

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

MeasureWhitestownBoone 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 estimateUnreliable estimate1.8%3.4%
People per household 2.662.582.462.53
Drive alone 73%72%76%69%
Carpool 5%6%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%20%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Whitestown look like those in Boone County: 2.66 people on average.

The car rules in Whitestown: 73% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Whitestown?

A typical home is tight for the typical income

We start with a typical home in Whitestown, worth $373,500, 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 Whitestown, which is $123,643 a year. For that payment to be 28% of income, a household would need to earn about $132,762 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Whitestown. 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 $13,073 (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

$3,098

at 7.18% · 30 years

Loan amount
$366,734
Total interest
$527,645
Paid off in
November 2056

Includes $6,307 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,885 a month

  • Tight

    $2,885 to $3,709 a month

    Your payment · 30%

  • Hard

    more than $3,709 a month

Compared with the typical household income in Whitestown ($123,643 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,098
Principal & interest$2,484
Property tax$293
Home insurance$156
FHA mortgage insurance (MIP)$165

You need at least $13,073 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

Whitestown and Boone County

Whitestown is in Boone 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).

Whitestown's own numbers

Typical home value
$373,500
Typical monthly rent
$1,842
Typical yearly household income
$123,643
Households that own their home
70%
Effective property tax rate
0.94%

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

Numbers for all of Boone 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)
+61%
Homes in a high flood-risk zone
2.4%

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 Boone County.

Everything about Boone County

Buying

Buying a home in Whitestown

A typical home in Whitestown is worth $373,500: about the same as the county and 71% above Indiana. With the typical household income in Whitestown ($123,643 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.

  • Whitestown 3.0 years
  • Boone 3.4 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Boone County

According to FHFA’s house price index, home prices in Boone County rose 109% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +6.1% +4.3% +2.9%
5 years (2020–2025) +61% +53% +47%
10 years (2015–2025) +109% +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

Whitestown next to Boone 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
  • Whitestown $373,500
  • Boone $376,200
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Whitestown $1,842
  • Boone $1,359
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Whitestown $123,643
  • Boone $111,250
  • Indiana $71,957
  • United States $80,734
See the full table
Whitestown next to Boone County and Indiana
Measure Whitestown Boone County Indiana U.S.
Typical home value $373,500 $376,200 $218,200 $332,700
Typical monthly rent $1,842 $1,359 $1,062 $1,413
Typical yearly household income $123,643 $111,250 $71,957 $80,734
Households that own their home 70% 79% 71% 65%
Typical yearly property tax $3,512 $2,919 $1,614 $3,119
Effective property tax rate 0.94% 0.78% 0.74% 0.94%
Renters with high rent for their income 39% 40% 48% 51%

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

For a typical $373,500 home in Whitestown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Whitestown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,098a month

    Least cash to close
    Down payment
    $13,073
    Cash to close
    $24,278
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $165

  • Conventional, 5% down $3,029a month

    Down payment
    $18,675
    Cash to close
    $29,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $177

  • Conventional, 20% down, no PMI $2,472a month

    Down payment
    $74,700
    Cash to close
    $85,905
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,818a month

    Down payment
    $56,025
    Cash to close
    $67,230
    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 Whitestown and for Boone County.

Property tax

Effective rate in Whitestown

0.94%of the home’s value each year

$3,512 a year for the typical owner in Whitestown.

  • Whitestown 0.94%
  • Boone 0.78%
  • 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 Boone County

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

Homes in the high-risk zone
2.4%
598
Of those, with NFIP insurance
20%
County Indiana U.S.
Homes in the high-risk zone 2.4% 2.3% 3.5%
Of those, with NFIP insurance 20% 17% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Whitestown

Typical rent in Whitestown is $1,842 a month: 36% above the county. In Whitestown, 39% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Boone 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.

HUD fair market rent for all of Boone 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 $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 Whitestown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Whitestown has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,280 in 46052 to $2,300 in 46075.

1 of the 2 is above the fair market rent for Boone County ($1,536).

  • 46052 $1,280$1,660
  • 46075 $2,300$2,980

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

Free help

Help to buy or rent in Whitestown

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

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Whitestown

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

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

  • Habitat for Humanity of Greater Indianapolis

    3135 N Meridian St, Indianapolis · 16 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (317) 777-6084

  • Indianapolis Neighborhood Housing Partnership Homeownership Center at Glendale

    2960 N Meridian St, Indianapolis · 16 miles away

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

  • Indianapolis Neighborhood Housing Partnership

    2690 N Meridian St, Indianapolis · 16 miles away · Spanish

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

All counseling agencies in Indiana

Help in Spanish near Whitestown

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 Whitestown

HUD lists no housing authority with an office in Boone County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Indiana Source: HUD

Cities

Other cities in Boone County

These cities are also in Boone County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Boone County Housing in Indiana

Nearby cities

The cities closest to Whitestown, with the typical home value.

Neighboring counties

If Boone 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 Whitestown.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Whitestown

Short answers with the numbers for Whitestown and all of Boone 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 Whitestown?

The typical home value in Whitestown is $373,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Boone County it is $376,200.

How much does it cost to rent in Whitestown?

Typical rent in Whitestown is $1,842 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Boone County is $1,536.

What is the FHA loan limit in Whitestown?

Whitestown uses the FHA limit for all of Boone 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 Whitestown?

The typical homeowner in Whitestown pays $3,512 a year, according to the U.S. Census Bureau. That is 0.94% of the home’s value; in Boone County, the rate is 0.78%.

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

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