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IN area data

Elkhart, IN

Aggregated across 3 ZIP codes in Elkhart.

Population: 99,693 (Census ACS)

The typical home value in Elkhart, IN is $231,435 — up 5.7% over the past year. Homes sell for a median $258,667 after a median 22 days on market. Typical rent runs $1,138/month. 30 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with cold wave, strong wind, tornado the top-rated hazards. Cost of living is 6.7% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$231,435

Typical home value

+5.7%

1-year change

22

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$231,435
1-year appreciation
+5.7%
3-year appreciation
+14.4%
5-year appreciation
+32.3%
10-year appreciation
+108.6%
Peak value since 2000 (Aug 2026)
$231,435
House Price Index (state)
378.8 (+3.5% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$258,667
Median list price
$259,800
Median price per sqft
$150
1-year sale-price change
+3.5%
Median days on market
22 days
Homes sold (recent period)
335
For-sale inventory
309
Sale-to-list ratio
99.0%
Active listings
219
1-year forecast
+3.3%
Days to pending
38 days
New listings (monthly)
120

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,138/mo
1-year rent change
+8.4%
Studio fair-market rent
$1,008/mo
1BR fair-market rent
$1,048/mo
2BR fair-market rent
$1,253/mo
3BR fair-market rent
$1,653/mo
4BR fair-market rent
$1,752/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
93.3 (100 = US avg)
Electricity rate (state-level)
16.2¢/kWh
Natural gas rate (state-level)
$11.50/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
30
Elementary schools
18
Middle schools
6
High schools
5
Charter schools
1
Avg student-teacher ratio
16.3 : 1
School districts serving the area
Elkhart Community Schools, Excel Center - Elkhart, Concord Community Schools
Schools include
Beardsley Elementary School, Cleveland Elementary School, Eastwood Elementary School, Elkhart Area Career Center, Mary Feeser Elementary School

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
cold wave, strong wind, tornado, hail, ice storm
Notable hazard ratings (county)
tornado: Relatively High · cold wave: Relatively High · strong wind: Relatively High · hail: Relatively Moderate · ice storm: Relatively Moderate · lightning: Relatively Moderate
Most common flood zone among NFIP claims (varies by location)
Zone AE
NFIP flood claims on record
235
Wildfire risk to homes (county)
Higher than 2% of US counties
Buildings in wildfire direct-exposure zone
29.6%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
6
Nearest Superfund site
Main Street Well Field (1.8 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
53.0°F
Average high
61.0°F
Average low
44.0°F
Annual precipitation
39.6 in
Annual snowfall
33.3 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
43
Days with Good air quality
222
Days with Moderate air quality
136
Days with Unhealthy air quality
1
Highest AQI recorded (year)
171

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
7.7 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
33,899
Jobs reachable by transit (45 min)
29,700

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Indiana Dunes National Park (57 mi)
Airports within 30 mi
45
Nearest airport
Elkhart Municipal Airport (EKI) (1 mi)
Nearest major airport
South Bend International Airport (SBN) (17 mi)
Hospitals in or near a typical ZIP here
16
Hospitals include
ELKHART GENERAL HOSPITAL, SAINT JOSEPH REGIONAL MEDICAL CENTER, UNITY PHYSICIANS HOSPITAL
Avg hospital rating (CMS)
3.5 / 5
Best hospital rating nearby (CMS)
4.7 / 5
EV charging stations (within 10 mi)
3
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
-413 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1971
Housing built before 1970
46.1%
Housing built 2000 or later
13.7%
Median annual property tax
$1,401
Mean commute to work
19 min
Households with broadband internet
72.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
118,321
Average weekly wage
$1,282
Top industries (by employment)
Health Care, Wholesale Trade, Accommodation & Food
Annual residential building permits (county)
777

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ElkhartState medianUS median
Typical home value$231,435$237,748$288,527
Median sale price$258,667$238,000$325,000
Median days on market22 days38 days51 days
Typical rent$1,138/mo$1,307/mo$1,809/mo
Median annual property tax$1,401$1,179$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in Elkhart, IN?
$231,435.
What is the median sale price in Elkhart, IN?
$258,667.
How long do homes take to sell in Elkhart, IN?
Median days on market: 22 days.
What is typical rent in Elkhart, IN?
Typical rent: $1,138/month.
What is the natural-hazard risk in Elkhart, IN?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: cold wave, strong wind, tornado, hail, ice storm.
Is Elkhart, IN in a flood zone?
Flood zones vary by property across the city. 235 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is AE. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in Elkhart, IN?
Risk to homes is higher than 2% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Elkhart, IN?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Elkhart, IN?
6 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: Main Street Well Field, 1.8 mi.
How many schools serve Elkhart, IN?
30 schools (18 elementary, 6 middle, 5 high) (NCES, 2024-25).
Is Elkhart, IN walkable?
Walkability index: 7.7/20 (EPA Smart Location Database).
What is the air quality in Elkhart, IN?
Good. Median AQI: 43. (EPA AQI).
What is the cost of living in Elkhart, IN?
Regional Price Parity: 93.3 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

ZIP codes in Elkhart

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents