In Zionsville, a typical home is worth $587,800 and typical rent is $1,792 a month. Compared with all of Boone County, the typical home value is 56% higher, typical household income is 55% higher, and the share of households that own their home is 5 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $521,599 to $703,884.
Typical rent
$1,879a month
▲ 7.3% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,553 to $1,879.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Zionsville 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
What this place has that others do not, from public data, most unusual first.
1
Zionsville has the highest typical household income of the 134 cities in Indiana with more than 5,000 people: $172,024.
2
Zionsville has the highest typical home value of the 134 cities in Indiana with more than 5,000 people: $587,800.
3
Zionsville has the 2nd highest typical rent of the 132 cities in Indiana with more than 5,000 people ($1,792).
4
Nearby, in Lebanon, the typical home value is $195,600: 67% less than in Zionsville ($587,800).
5
Nearby, in Lebanon, the typical rent is $962: 46% less than in Zionsville ($1,792).
6
According to Zillow, in the 12 months to September 2026 the typical home value in Zionsville rose 6.5%; in Indiana, it rose 2.9%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Zionsville
What homes there are in Zionsville, 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
Zionsville
Boone County
Indiana
United States
Kind of home: Zionsville and its comparisons
Measure
Zionsville
Boone County
Indiana
United States
Detached house
84%
80%
73%
61%
Attached house
5%
5%
4%
6%
Building of 2 to 4
Unreliable estimate
3%
6%
8%
Apartments (5 or more)
10%
11%
13%
19%
Mobile home
Unreliable estimate
2%
4%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Zionsville: 84% of homes, more than in Boone County (80%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Zionsville
Boone County
Indiana
United States
Year built: Zionsville and its comparisons
Measure
Zionsville
Boone County
Indiana
United States
Before 1960
9%
20%
31%
26%
1960–1979
16%
18%
24%
24%
1980–1999
27%
20%
23%
25%
2000–2009
23%
17%
12%
14%
2010 or later
25%
26%
10%
11%
Homes in Zionsville are newer: the typical year built is 1999; in Boone County, 1995.
There is more room for a big family here: 82% of homes have 3 bedrooms or more, against 75% in Boone County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K5%
$300K–$500K29%
$500K–$750K35%
$750K–$1M17%
$1M or more11%
Value of owner-occupied homes: Zionsville and its comparisons
Measure
Zionsville
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
5%
$300K–$500K
29%
$500K–$750K
35%
$750K–$1M
17%
$1M or more
11%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49917%
$1,500–$1,99938%
$2,000–$2,49926%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Zionsville and its comparisons
Measure
Zionsville
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
17%
$1,500–$1,999
38%
$2,000–$2,499
26%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,559 a month
Boone County: $2,012 a month
Without a mortgage
$943 a month
Boone County: $662 a month
Owners with a mortgage
73%
Boone County: 73%
In Zionsville, 73% of owners have a mortgage, and their typical cost is $2,559 a month, against $2,012 in Boone County. Without one it drops to $943.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Zionsville+52%
Boone County+61%
Indiana+54%
United States+53%
Typical rent
Zionsville+37%
Boone County+34%
Indiana+29%
United States+33%
Typical household income
Zionsville+25%
Boone County+34%
Indiana+28%
United States+29%
Change since 2015–2019: Zionsville and its comparisons
Measure
Zionsville
Boone County
Indiana
United States
Typical home value
+52%
+61%
+54%
+53%
Typical rent
+37%
+34%
+29%
+33%
Typical household income
+25%
+34%
+28%
+29%
Homes in Zionsville gained value more slowly than in Boone County: 52% since 2015–2019, against 61%.
The typical rent in Zionsville rose 37% since 2015–2019, about the same as in Boone County (34%).
Housing prices ran ahead of income in Zionsville: typical income rose 25%, against +52% for home values and +37% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Zionsville and its comparisons
Measure
Zionsville
Boone County
Indiana
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.6%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.8%
3.4%
People per household
2.70
2.58
2.46
2.53
Drive alone
67%
72%
76%
69%
Carpool
4%
6%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
28%
20%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Boone County, a household in Zionsville has 2.70 people on average.
In Zionsville, 28% of workers work from home, more than in Boone County (20%).
Do the math
What would you pay each month for a home in Zionsville?
A typical home is tight for the typical income
We start with a typical home in Zionsville, worth $587,800, 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 Zionsville, which is $172,024 a year. For that payment to be 28% of income, a household would need to earn about $206,417 a year. Note: at that price the loan is above the FHA limit for Boone County ($541,287), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Boone 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 Zionsville. 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 $20,573 (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
$4,816
at 7.18% · 30 years
Loan amount
$577,153
Total interest
$830,388
Paid off in
November 2056
Includes $9,926 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,014 a month
Tight
$4,014 to $5,161 a month
Your payment · 34%
Hard
more than $5,161 a month
Compared with the typical household income in Zionsville ($172,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,910
Property tax
$402
Home insurance
$245
FHA mortgage insurance (MIP)
$260
This loan is over the FHA limit
You'd borrow $567,227, but the FHA limit for a one-unit home in Zionsville is $541,287. You'd need a bigger down payment or a different loan.
You need at least $20,573 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 $4,816; principal and interest $3,910.
The city and its county
Zionsville and Boone County
Zionsville 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).
Zionsville
Map of Boone County, Indiana, with Zionsville marked. Around it, the neighboring counties.
Zionsville
Boone County
Other cities with a page
Zionsville's own numbers
Typical home value
$587,800
Typical monthly rent
$1,792
Typical yearly household income
$172,024
Households that own their home
84%
Effective property tax rate
0.82%
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.
A typical home in Zionsville is worth $587,800: 56% above the county and 169% above Indiana. With the typical household income in Zionsville ($172,024 a year), a typical home costs 3.4 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.
Zionsville3.4 years
Boone3.4 years
Indiana3.0 years
United States4.1 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.
Yearly change in FHFA’s price index in Boone County, 2016 to 2025
2016: +6.1% +6.1% 2016
2017: +4.5% +4.5% 2017
2018: +5.4% +5.4% 2018
2019: +5.8% +5.8% 2019
2020: +4.8% +4.8% 2020
2021: +10.1% +10.1% 2021
2022: +17.1% +17.1% 2022
2023: +9.9% +9.9% 2023
2024: +7.4% +7.4% 2024
2025: +6.1% +6.1% 2025
Change in FHFA’s price index in Boone County, Indiana and the United States
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
Zionsville 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
Zionsville$587,800
Boone$376,200
Indiana$218,200
United States$332,700
Typical monthly rent
Zionsville$1,792
Boone$1,359
Indiana$1,062
United States$1,413
Typical yearly household income
Zionsville$172,024
Boone$111,250
Indiana$71,957
United States$80,734
See the full table
Zionsville next to Boone County and Indiana
Measure
Zionsville
Boone County
Indiana
U.S.
Typical home value
$587,800 ▲56% above the county
$376,200
$218,200
$332,700
Typical monthly rent
$1,792 ▲32% above the county
$1,359
$1,062
$1,413
Typical yearly household income
$172,024 ▲55% above the county
$111,250
$71,957
$80,734
Households that own their home
84% ▲5 points above the county
79%
71%
65%
Typical yearly property tax
$4,798 ▲64% above the county
$2,919
$1,614
$3,119
Effective property tax rate
0.82% ▲0.04 points above the county
0.78%
0.74%
0.94%
Renters with high rent for their income
39% ▼1 points below the county
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 Zionsville
For a typical $587,800 home in Zionsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zionsville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,816a month
Above the FHA limit for Boone County ($541,287)
Down payment
$20,573
Cash to close
$38,207
Rate
7.18%
Mortgage insurance
FHA MIP · $260
Conventional, 5% down$4,709a month
Least cash to close
Down payment
$29,390
Cash to close
$47,024
Rate
7.18%
Mortgage insurance
PMI · $279
Conventional, 20% down, no PMI$3,832a month
Down payment
$117,560
Cash to close
$135,194
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,376a month
Down payment
$88,170
Cash to close
$105,804
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Zionsville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Boone County ($541,287)
$4,816
$20,573
$577,153
7.18%
FHA MIP · $260
$38,207
580
Conventional, 5% down Least cash to close
$4,709
$29,390
$558,410
7.18%
PMI · $279
$47,024
620*
Conventional, 20% down, no PMI
$3,832
$117,560
$470,240
7.18%
None
$135,194
620*
ITIN, 15% down (example)
$4,376
$88,170
$499,630
8.18%
None
$105,804
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Zionsville is $1,792 a month: 32% above the county. In Zionsville, 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Boone 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 Zionsville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zionsville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,280 in 46052 to $2,230 in 46077.
1 of the 2 is above the fair market rent for Boone County ($1,536).
Fair market rent by ZIP code and size in Zionsville, fiscal year 2027.
46052
$990
$1,110
$1,280
$1,660
$2,020
46077
$1,720
$1,940
$2,230
$2,890
$3,520
ZIP code2 bd3 bd
46052 $1,280$1,660
46077 $2,230$2,890
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zionsville 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 Boone 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 Zionsville or Boone County. The ones below are statewide in Indiana: they work in Zionsville 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 Zionsville or Boone 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 Zionsville 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 Zionsville?
The typical home value in Zionsville is $587,800, 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 Zionsville?
Typical rent in Zionsville is $1,792 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 Zionsville?
Zionsville 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 Zionsville?
The typical homeowner in Zionsville pays $4,798 a year, according to the U.S. Census Bureau. That is 0.82% of the home’s value; in Boone County, the rate is 0.78%.
Where can I find free help to buy or rent in Zionsville?
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.
