The typical owner-occupied home in Goldsmith is worth about $291,200, 33% above the Indiana median of $218,200 and 12% below the national median of $332,700. Owners pay a median $2,095 a year in property taxes, about 0.72% of their home's value, close to the Indiana rate of 0.74%. The median household earns $160,439 a year, so the median home costs 1.8 times the median income (3.0 times for Indiana). 100% of occupied homes here are lived in by their owners, and 82% of those owners still have a mortgage.
Goldsmith at a glance
| Goldsmith | Indiana | U.S. | |
|---|---|---|---|
| Median home value | $291,200 | $218,200 | $332,700 |
| Median property tax paid per year | $2,095 | $1,614 | $3,119 |
| Property tax as a share of value | 0.72% | 0.74% | 0.94% |
| Median household income | $160,439 | $71,957 | $80,734 |
| Homes lived in by their owners | 100% | 71% | 65% |
| Owner homes with a mortgage | 82% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $3,095 | $1,404 | $1,963 |
| Median rent | – | $1,062 | $1,413 |
| Median year homes were built | 1976 | 1976 | 1980 |
| Vacant homes | 0.0% | 8.8% | 10.1% |
| Population | 279 | 6,851,073 | 334,922,499 |
What a typical home costs per month in Goldsmith
At this week's average 30-year rate of 7.11%, buying the median Goldsmith home of $291,200 with 20% down costs about $1,863 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,348, 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 $79,851 for the 20%-down payment. That payment is 14% of the median Goldsmith household income of $160,439; at that income and 20% down, the 28% guideline points to a home of about $585,000.
| Down payment | $58,240 |
|---|---|
| Loan amount | $232,960 |
| Principal and interest | $1,567 |
| Property taxes (0.72% a year) | $175 |
| Homeowners insurance (our estimate, 0.5% a year) | $121 |
| PMI | $0 |
| Total per month | $1,863 |
Change the numbers in the calculator
| Down payment | $10,192 |
|---|---|
| Loan amount | $285,926 |
| Principal and interest | $1,923 |
| Property taxes (0.72% a year) | $175 |
| Homeowners insurance (our estimate, 0.5% a year) | $121 |
| FHA mortgage insurance | $129 |
| Total per month | $2,348 |
Change the numbers in the calculator
Questions about home buying in Goldsmith
What is the median home value in Goldsmith?
About $291,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Goldsmith?
Homeowners pay a median $2,095 a year, which is about 0.72% 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 Goldsmith?
For the median home with 20% down at 7.11%, the payment is about $1,863 a month. Keeping that under 28% of gross income takes about $79,851 a year.
More about Goldsmith
- Mortgage Refinance in Goldsmith
- Debt Relief in Goldsmith
- Home Equity Loans in Goldsmith
- 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