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City · 11,699 residents · Delaware County, Indiana

Yorktown , Indiana

In Yorktown, a typical home is worth $186,700 and typical rent is $926 a month. Compared with all of Delaware County, typical household income is 41% higher, the typical home value is 34% higher, and the share of households that own their home is 22 points higher.

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  • Typical home value

    $186,700

    34% above the county

    14% below Indiana

    • Yorktown
    • Delaware
    • Indiana

  • Typical rent

    $926a month

    2% above the county

    13% below Indiana

    • Yorktown
    • Delaware
    • Indiana

  • Typical household income

    $81,674a year

    41% above the county

    14% above Indiana

    • Yorktown
    • Delaware
    • Indiana

  • Households that own their home

    89%

    22 points above the county

    18 points above Indiana

    • Yorktown
    • Delaware
    • Indiana

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

Market now, with Zillow data

Zillow data
Typical home value
$248,131
5.5% more than 12 months ago
Typical rent
$1,475 a month

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

Yorktown is in Delaware 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 Delaware County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Yorktown apart

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

  1. 89% of households in Yorktown own their home, against 66% in Delaware County.

  2. Nearby, in Muncie, the typical home value is $97,300: 48% less than in Yorktown ($186,700).

  3. The typical household income in Yorktown is $81,674, 41% more than in Delaware County as a whole ($58,127).

  4. The typical home in Yorktown is worth $186,700, 34% more than in Delaware County as a whole ($139,400).

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

The homes here

Housing in Yorktown

What homes there are in Yorktown, 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 Yorktown, 9 in 10 homes are single-family detached houses; in Delaware County, 7.

Year built

Here half of the homes date from 1972 or later; in Delaware County, from 1967 or later.

Homes in Yorktown are bigger: 85% have 3 bedrooms or more; in Delaware County, 61%.

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

The FHA loan limit for Delaware County is $541,287, and about 95% of owner-occupied homes in Yorktown are worth less than that.

Monthly rent with utilities

With a mortgage

$1,217 a month

Delaware County: $1,111 a month

Without a mortgage

$530 a month

Delaware County: $457 a month

Owners with a mortgage

68%

Delaware County: 55%

In Yorktown, 68% of owners have a mortgage, and their typical cost is $1,217 a month, against $1,111 in Delaware County. Without one it drops to $530.

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 Yorktown rose 32%; in Delaware County, it rose 49%.

Rent in Yorktown moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureYorktownDelaware CountyIndianaUnited States
Rental vacancy Unreliable estimate8.4%5.6%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.7%1.8%3.4%
People per household 2.482.262.462.53
Drive alone 78%77%76%69%
Carpool 10%10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate4%2%3%
Work from home 10%8%11%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.48 on average, against 2.26 in Delaware County.

To get to work, 78% of workers in Yorktown drive alone; in Delaware County, 77%.

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 Yorktown?

A typical home is within reach of the typical income

We start with a typical home in Yorktown, worth $186,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Yorktown, which is $81,674 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Yorktown. 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 $6,535 (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

$1,531

at 7.18% · 30 years

Loan amount
$183,318
Total interest
$263,751
Paid off in
November 2056

Includes $3,153 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,906 a month

    Your payment · 23%

  • Tight

    $1,906 to $2,450 a month

  • Hard

    more than $2,450 a month

Compared with the typical household income in Yorktown ($81,674 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,531
Principal & interest$1,242
Property tax$129
Home insurance$78
FHA mortgage insurance (MIP)$83

You need at least $6,535 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

Yorktown and Delaware County

Yorktown is in Delaware 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).

Yorktown's own numbers

Typical home value
$186,700
Typical monthly rent
$926
Typical yearly household income
$81,674
Households that own their home
89%
Effective property tax rate
0.83%

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

Numbers for all of Delaware County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
2.5%

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 Delaware County.

Everything about Delaware County

Buying

Buying a home in Yorktown

A typical home in Yorktown is worth $186,700: 34% above the county and 14% below Indiana. With the typical household income in Yorktown ($81,674 a year), a typical home costs 2.3 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.

  • Yorktown 2.3 years
  • Delaware 2.4 years
  • Indiana 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Delaware County

According to FHFA’s house price index, home prices in Delaware County rose 93% in the 10 years through 2025.

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

Period County Indiana U.S.
Last year (2025) +6.0% +4.3% +2.9%
5 years (2020–2025) +57% +53% +47%
10 years (2015–2025) +93% +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

Yorktown next to Delaware 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
  • Yorktown $186,700
  • Delaware $139,400
  • Indiana $218,200
  • United States $332,700
Typical monthly rent
  • Yorktown $926
  • Delaware $906
  • Indiana $1,062
  • United States $1,413
Typical yearly household income
  • Yorktown $81,674
  • Delaware $58,127
  • Indiana $71,957
  • United States $80,734
See the full table
Yorktown next to Delaware County and Indiana
Measure Yorktown Delaware County Indiana U.S.
Typical home value $186,700 $139,400 $218,200 $332,700
Typical monthly rent $926 $906 $1,062 $1,413
Typical yearly household income $81,674 $58,127 $71,957 $80,734
Households that own their home 89% 66% 71% 65%
Typical yearly property tax $1,545 $1,039 $1,614 $3,119
Effective property tax rate 0.83% 0.75% 0.74% 0.94%

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

For a typical $186,700 home in Yorktown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yorktown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,531a month

    Least cash to close
    Down payment
    $6,535
    Cash to close
    $12,136
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $83

  • Conventional, 5% down $1,497a month

    Down payment
    $9,335
    Cash to close
    $14,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $89

  • Conventional, 20% down, no PMI $1,219a month

    Down payment
    $37,340
    Cash to close
    $42,941
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,391a month

    Down payment
    $28,005
    Cash to close
    $33,606
    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 Yorktown and for Delaware County.

Property tax

Effective rate in Yorktown

0.83%of the home’s value each year

$1,545 a year for the typical owner in Yorktown.

  • Yorktown 0.83%
  • Delaware 0.75%
  • 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 Delaware County

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

Homes in the high-risk zone
2.5%
1,126
Of those, with NFIP insurance
24%
County Indiana U.S.
Homes in the high-risk zone 2.5% 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 Yorktown

Typical rent in Yorktown is $926 a month: 2% above the county.

HUD publishes a fair market rent for all of Delaware County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 an hour working full time.

HUD fair market rent for all of Delaware 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 $899 $17.29 $35,960
1 bedroom $913 $17.56 $36,520
2 bedrooms $1,145 $22.02 $45,800
3 bedrooms $1,438 $27.65 $57,520
4 bedrooms $1,890 $36.35 $75,600

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 Yorktown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yorktown is in ZIP code 47396.

For 2 bedrooms it is $1,130: $15 less than the fair market rent for Delaware County ($1,145).

  • 47396 $1,130$1,420

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

HUD lists 2 buildings with rents for lower incomes in Yorktown. These are the largest.

  • Pilgrim Place Senior Housing 1700 S Pilgrim Blvd, Yorktown 47396 36 low-income homes · 1 bd: 18 · 2 bd: 18 · In service since 2001 · For older adults
  • Grandview Square Cooperative 8101- 8115 Grandview Drive, Yorktown 47396 86 homes, 17 low-income · For families (765) 759-9565

See all 32 buildings in Delaware County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Yorktown

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.

There is 1 HUD-approved agency with an office in Delaware County; 1 says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Yorktown

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

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

  • Pathstone Corporation - Indiana

    420 S High St Ste 101, Muncie · 6 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (765) 286-2162

  • Transition Resources - Pendleton

    600 Corporation Dr Ste 105, Pendleton · 19 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (866) 844-8556

  • The Affordable Housing Corporation of Marion, Indiana

    812 S Washington St, Marion · 27 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (765) 662-1574

Every agency in Delaware County All counseling agencies in Indiana

Help in Spanish near Yorktown

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 Yorktown

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

  • Delaware County Housing Authority Public housing and Section 8 vouchers (765) 284-3801

One other authority has an office in Delaware County: see the list Source: HUD

Cities

Other cities in Delaware County

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

Everything about Delaware County Housing in Indiana

Nearby cities

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

Neighboring counties

If Delaware 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 Yorktown.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Yorktown

Short answers with the numbers for Yorktown and all of Delaware 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 Yorktown?

The typical home value in Yorktown is $186,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $139,400.

How much does it cost to rent in Yorktown?

Typical rent in Yorktown is $926 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $1,145.

What is the FHA loan limit in Yorktown?

Yorktown uses the FHA limit for all of Delaware 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 Yorktown?

The typical homeowner in Yorktown pays $1,545 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Delaware County, the rate is 0.75%.

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

There is 1 HUD-approved counseling agency with an office in Delaware County. 1 says it serves in Spanish. 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).