The typical owner-occupied home in Saint Bernice is worth about $92,700, 58% below the Indiana median of $218,200 and 72% below the national median of $332,700. 100% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
Saint Bernice at a glance
| Saint Bernice | Indiana | U.S. | |
|---|---|---|---|
| Median home value | $92,700 | $218,200 | $332,700 |
| Median property tax paid per year | – | $1,614 | $3,119 |
| Median household income | – | $71,957 | $80,734 |
| Homes lived in by their owners | 100% | 71% | 65% |
| Owner homes with a mortgage | 71% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,031 | $1,404 | $1,963 |
| Those costs as a share of the owners' income | 14.3% | 18.1% | 21.0% |
| Median rent | – | $1,062 | $1,413 |
| Median year homes were built | 1976 | 1976 | 1980 |
| Vacant homes | 18.7% | 8.8% | 10.1% |
| Population | 554 | 6,851,073 | 334,922,499 |
What a typical home costs per month in Saint Bernice
At this week's average 30-year rate of 7.11%, buying the median Saint Bernice home of $92,700 with 20% down costs about $622 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $777, 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 $26,678 for the 20%-down payment.
| Down payment | $18,540 |
|---|---|
| Loan amount | $74,160 |
| Principal and interest | $499 |
| Property taxes (1.10% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| PMI | $0 |
| Total per month | $622 |
Change the numbers in the calculator
| Down payment | $3,244 |
|---|---|
| Loan amount | $91,021 |
| Principal and interest | $612 |
| Property taxes (1.10% a year) | $85 |
| Homeowners insurance (our estimate, 0.5% a year) | $39 |
| FHA mortgage insurance | $41 |
| Total per month | $777 |
Change the numbers in the calculator
Questions about home buying in Saint Bernice
What is the median home value in Saint Bernice?
About $92,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Saint Bernice?
For the median home with 20% down at 7.11%, the payment is about $622 a month. Keeping that under 28% of gross income takes about $26,678 a year.
More about Saint Bernice
- Mortgage Refinance in Saint Bernice
- Debt Relief in Saint Bernice
- Home Equity Loans in Saint Bernice
- 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