The typical owner-occupied home in Saint John is worth about $406,300, 86% above the Indiana median of $218,200 and 22% above the national median of $332,700. Owners pay a median $3,725 a year in property taxes, about 0.92% of their home's value, higher than the Indiana rate of 0.74%. The median household earns $131,467 a year, so the median home costs 3.1 times the median income (3.0 times for Indiana). 97% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Saint John at a glance
| Saint John | Indiana | U.S. | |
|---|---|---|---|
| Median home value | $406,300 | $218,200 | $332,700 |
| Median property tax paid per year | $3,725 | $1,614 | $3,119 |
| Property tax as a share of value | 0.92% | 0.74% | 0.94% |
| Median household income | $131,467 | $71,957 | $80,734 |
| Homes lived in by their owners | 97% | 71% | 65% |
| Owner homes with a mortgage | 71% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $2,155 | $1,404 | $1,963 |
| Those costs as a share of the owners' income | 18.0% | 18.1% | 21.0% |
| Median rent | $989 | $1,062 | $1,413 |
| Rent as a share of renters' income | 24.2% | 29.1% | 30.6% |
| Median year homes were built | 2003 | 1976 | 1980 |
| Vacant homes | 1.7% | 8.8% | 10.1% |
| Population | 22,567 | 6,851,073 | 334,922,499 |
What a typical home costs per month in Saint John
At this week's average 30-year rate of 7.11%, buying the median Saint John home of $406,300 with 20% down costs about $2,667 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $3,344, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $114,315 for the 20%-down payment. That payment is 24% of the median Saint John household income of $131,467; at that income and 20% down, the 28% guideline points to a home of about $467,000.
The median rent here is $989 a month, so owning the median home costs about $1,678 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $81,260 |
|---|---|
| Loan amount | $325,040 |
| Principal and interest | $2,187 |
| Property taxes (0.92% a year) | $312 |
| Homeowners insurance (our estimate, 0.5% a year) | $169 |
| PMI | $0 |
| Total per month | $2,667 |
Change the numbers in the calculator
| Down payment | $14,220 |
|---|---|
| Loan amount | $398,941 |
| Principal and interest | $2,684 |
| Property taxes (0.92% a year) | $312 |
| Homeowners insurance (our estimate, 0.5% a year) | $169 |
| FHA mortgage insurance | $180 |
| Total per month | $3,344 |
Change the numbers in the calculator
Questions about home buying in Saint John
What is the median home value in Saint John?
About $406,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint John?
Homeowners pay a median $3,725 a year, which is about 0.92% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint John?
For the median home with 20% down at 7.11%, the payment is about $2,667 a month. Keeping that under 28% of gross income takes about $114,315 a year.
More about Saint John
- Mortgage Refinance in Saint John
- Debt Relief in Saint John
- Home Equity Loans in Saint John
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data