The typical owner-occupied home in Ladoga is worth about $130,600, 40% below the Indiana median of $218,200 and 61% below the national median of $332,700. Owners pay a median $965 a year in property taxes, about 0.74% of their home's value, close to the Indiana rate of 0.74%. The median household earns $61,667 a year, so the median home costs 2.1 times the median income (3.0 times for Indiana). 90% of occupied homes here are lived in by their owners, and 58% of those owners still have a mortgage.
Ladoga at a glance
| Ladoga | Indiana | U.S. | |
|---|---|---|---|
| Median home value | $130,600 | $218,200 | $332,700 |
| Median property tax paid per year | $965 | $1,614 | $3,119 |
| Property tax as a share of value | 0.74% | 0.74% | 0.94% |
| Median household income | $61,667 | $71,957 | $80,734 |
| Homes lived in by their owners | 90% | 71% | 65% |
| Owner homes with a mortgage | 58% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,326 | $1,404 | $1,963 |
| Those costs as a share of the owners' income | 19.0% | 18.1% | 21.0% |
| Median rent | $825 | $1,062 | $1,413 |
| Rent as a share of renters' income | 29.5% | 29.1% | 30.6% |
| Median year homes were built | 1945 | 1976 | 1980 |
| Vacant homes | 2.9% | 8.8% | 10.1% |
| Population | 1,144 | 6,851,073 | 334,922,499 |
What a typical home costs per month in Ladoga
At this week's average 30-year rate of 7.11%, buying the median Ladoga home of $130,600 with 20% down costs about $838 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,055, 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 $35,905 for the 20%-down payment. That payment is 16% of the median Ladoga household income of $61,667; at that income and 20% down, the 28% guideline points to a home of about $224,000.
The median rent here is $825 a month, so owning the median home costs about $13 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $26,120 |
|---|---|
| Loan amount | $104,480 |
| Principal and interest | $703 |
| Property taxes (0.74% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $54 |
| PMI | $0 |
| Total per month | $838 |
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| Down payment | $4,571 |
|---|---|
| Loan amount | $128,235 |
| Principal and interest | $863 |
| Property taxes (0.74% a year) | $81 |
| Homeowners insurance (our estimate, 0.5% a year) | $54 |
| FHA mortgage insurance | $58 |
| Total per month | $1,055 |
Change the numbers in the calculator
Questions about home buying in Ladoga
What is the median home value in Ladoga?
About $130,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ladoga?
Homeowners pay a median $965 a year, which is about 0.74% 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 Ladoga?
For the median home with 20% down at 7.11%, the payment is about $838 a month. Keeping that under 28% of gross income takes about $35,905 a year.
More about Ladoga
- Mortgage Refinance in Ladoga
- Debt Relief in Ladoga
- Home Equity Loans in Ladoga
- 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