St. Joseph County, Indiana property tax
The median homeowner in St. Joseph County, Indiana pays $1,559 a year in property tax on a home worth $179,800, an effective rate of 0.87%. The national effective rate is 0.98%.
What the rate means here
St. Joseph County taxes property at 0.87%, within a rounding error of the national 0.98%. The median bill of $1,559 therefore tracks the median home value of $179,800 fairly directly, which is not true everywhere.
It ranks #5 of 92 Indiana counties by effective rate, against a statewide 0.74%, and #1,302 nationally. The state runs from 0.93% in Marion County down to 0.41% in Switzerland County.
The median home costs 2.77 times the median household income of $64,885, against 3.86 nationally, which is a comfortable ratio by American standards. 68.83% of occupied homes are owned rather than rented, and cheap housing relative to income is usually why. At 272,574 residents the county is large enough that its median blends several distinct housing markets.
The rate is derived rather than quoted. How and why.
What that costs at different home values
Arithmetic at the county effective rate, before any exemption or assessment cap.
Housing and income
| St. Joseph County | Indiana | United States | |
|---|---|---|---|
| Effective property tax | 0.87% | 0.74% | 0.98% |
| Median tax bill | $1,559 | $1,496 | $2,969 |
| Median home value | $179,800 | $201,600 | $303,400 |
| Median gross rent | $1,030 | $1,020 | $1,348 |
| Median household income | $64,885 | $70,051 | $78,538 |
| Home price to income | 2.77× | 2.88× | 3.86× |
| Rent as share of income | 19.05% | 17.47% | 20.6% |
| Owner-occupied | 68.83% | 70.35% | 65.02% |
Source: U.S. Census Bureau, American Community Survey 2023 five-year estimates. Population 272,574.
Nearby counties of similar size
| County | Rate | Median bill | Home value |
|---|---|---|---|
| Elkhart County | 0.82% | $1,592 | $194,400 |
| Hamilton County | 0.88% | $3,340 | $379,100 |
| Tippecanoe County | 0.62% | $1,355 | $217,600 |
| Vanderburgh County | 0.82% | $1,420 | $172,300 |
| Hendricks County | 0.83% | $2,344 | $281,500 |
St. Joseph County property tax: common questions
What is the property tax rate in St. Joseph County, Indiana?
The effective rate is 0.87% of home value, from a median tax bill of $1,559 against a median home value of $179,800. That is 0.11 points below the national 0.98%.
How much is property tax on a $400,000 home in St. Joseph County?
Roughly $3,480 a year at the county effective rate of 0.87%.
Is St. Joseph County expensive compared with the rest of Indiana?
It ranks #5 of 92 Indiana counties by effective property tax rate, and #1302 of 2,826 nationally. That is 0.13 points above the Indiana average of 0.74%.
What does housing cost in St. Joseph County?
The median home is worth $179,800 and median gross rent is $1,030 a month. Median household income is $64,885, which puts the home at 2.77 times annual income and rent at 19.05% of it.