How much do homeowners pay a month in Mishawaka, IN?

Name: Homeowner costs in Mishawaka, IN, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Mishawaka, IN pay a median of $1,192 (±$29) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $452 (±$23).

62.6% of owned homes carry a mortgage.

In Mishawaka, the median monthly cost with a mortgage went from $978 in 2015–2019 to $1,192 in 2020–2024 (+21.9%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

With a mortgage: $1,192 (±$29)
Without a mortgage: $452 (±$23)
Owned with a mortgage: 62.6%

Monthly owner costs in Mishawaka

Median selected monthly owner costs, estimate (90% margin of error)
	Mishawaka	St. Joseph County	Indiana	United States
With a mortgage	$1,192 (±$29)	$1,291 (±$25)	$1,404 (±$5)	$1,963
Without a mortgage	$452 (±$23)	$479 (±$9)	$517 (±$3)	$638
Owned homes with a mortgage	62.6% (±3.3 points)	60.4% (±1.5 points)	63.6% (±0.3 points)	60.6%
Median real estate taxes (a year)	$1,405 (±$69)	$1,665 (±$39)	$1,614 (±$9)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Mishawaka, the median cost with a mortgage is lower than in St. Joseph County ($1,291).

It is also lower than in Indiana ($1,404).

It is lower than the national figure ($1,963).

In St. Joseph County, Mishawaka ranks 15 of 23 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 891 of 1,564.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Mishawaka have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$978 (±$26)	$1,192 (±$29)	+21.9%	No measurable change after inflation
Median real estate taxes	$1,135 (±$65)	$1,405 (±$69)	+23.8%	No measurable change after inflation
Median home value	$102,900 (±$4,374)	$155,500 (±$7,748)	+51.1%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Mishawaka

Nearest places with a published estimate, compared with Mishawaka
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Mishawaka	—	$1,192 (±$29)	—
Penn Township (St. Joseph County)	2.6 mi	$1,260 (±$41)	Higher
Indian Village	4.3 mi	$1,344 (±$246)	Not measurably different
Granger	4.5 mi	$1,807 (±$65)	Higher
Osceola	4.5 mi	$1,352 (±$148)	Higher
Harris Township	4.7 mi	$1,825 (±$76)	Higher
Clay Township (St. Joseph County)	4.8 mi	$1,412 (±$70)	Higher
Roseland	5.2 mi	$1,080 (±$273)	Not measurably different
South Bend	5.3 mi	$1,132 (±$35)	Lower

Nearby places with a measurably lower figure: South Bend, IN ($1,132).

Nearby places with a measurably higher figure: Penn Township (St. Joseph County), IN ($1,260), Granger, IN ($1,807), Osceola, IN ($1,352).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across St. Joseph County, place by place

Rank	Place	Median monthly cost with a mortgage
9	German Township (St. Joseph County)	$1,367 (±$75)
10	Osceola	$1,352 (±$148)
11	Indian Village	$1,344 (±$246)
12	Centre Township	$1,339 (±$50)
13	Penn Township (St. Joseph County)	$1,260 (±$41)
14	New Carlisle	$1,250 (±$114)
15	Mishawaka	$1,192 (±$29)
16	North Liberty	$1,183 (±$118)
17	Greene Township (St. Joseph County)	$1,164 (±$146)
18	South Bend	$1,132 (±$35)
19	Lakeville	$1,088 (±$175)
20	Roseland	$1,080 (±$273)
21	Portage Township (St. Joseph County)	$1,071 (±$34)

Showing 13 of 23 places in St. Joseph County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Mishawaka

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Mishawaka beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Mishawaka, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Mishawaka, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Mishawaka

What is the average mortgage payment in Mishawaka?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Mishawaka, IN is $1,192 (±$29) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Mishawaka?

Owners without a mortgage in Mishawaka pay a median of $452 (±$23) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Mishawaka gone up?

In Mishawaka, the median monthly cost with a mortgage went from $978 in 2015–2019 to $1,192 in 2020–2024 (+21.9%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Mishawaka city, Indiana (place:49932, in state:18).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.