Steuben County Area Home Supply Charts

This page looks at a variety of Steuben County Indiana housing market data taken from the most recent 2020 American Community Survey census data. Housing units are structures such as a single family home, apartment community, mobile home park, public housing, etc. where a person or family live and live separately from other residents of the building. Figure 1 shows the total number of housing units for each city. Steuben County depicts it has a Housing Units of 19,986 which is in the mid range of other counties in the local area.

Figure 2 illustrates the housing density in the Steuben County housing market as measured by housing units per square land mile (includes single family homes, apartments, etc.) Steuben County shows it has a Housing Density of 64.7 which is the largest of all counties in the greater Steuben County region. Comparing housing density to the United States average of 38.9, Steuben County is 66.4% larger. Also, benchmarked against the state of Indiana, housing density of 80.6, Steuben County is about 24.5% smaller.

In Figure 4, Steuben County area change in the number of housing units and is a forward gauge (along with population change) for any potential housing shortage. Steuben County shows it has a Housing Unit Change of 3.1% which is the second most housing units of all the counties in the greater Steuben County region. The county with the highest change in the housing units in the area is LaGrange County which depicts a housing units of 4.9% (57.1% larger). Comparing change in the housing units to the United States average of 5.7%, Steuben County is approximately half the size. Also, measured against the state of Indiana, change in the housing units of 3.3%, Steuben County is only about 3.6% smaller.

Figure 5 shows the percentage of rental property based on that they are occupied by renters as a percent of the total number of households in the community (including homes, apartments, etc.) Steuben County depicts it has a Renter Percent of 22.2% which is the second smallest when ranked by renter percent of all the other counties in the metro area. Figure 6 illustrates the total number of housing units that are occupied by owners. it has a Owner Percent of 77.8% which is the second most owner percent of all the counties in the greater Steuben County region.

Steuben County Home Cost Charts

Looking at the housing data provided in Figure 7, the average Steuben County home price is illustrated for this community and a useful analysis of affordable housing. Steuben County shows it has a Median Home Value of $148,800 which is the second most of all the counties in the greater region. The county with the highest median home price in the area is LaGrange County which shows a home price of $195,900 (31.7% larger). Figure 8 provides aggregate comparative data for the Steuben County Indiana metro area in terms of the median housing rental rate, apartment rent, etc. Steuben County indicates it has a Median Gross Rent of $783 which is the largest of all counties in the greater Steuben County region. Comparing rental rates to the United States average of $1,062, Steuben County is approximately three-fourths the size. Also, in contrast to the state of Indiana, rental rates of $826, Steuben County is about 5.5% smaller.

Figure 9 provides the frequency distribution of home prices for the area and is useful for understanding affordable housing fund. Steuben County has the percentage of home price worth less than $50,000 the second smallest as measured by home price worth less than $50,000 of all the other counties in the local area at 19% of the total. Second, it has the largest proportion of home price worth between $50,000 to $100,000 at 40% of the total and is ranked #1.

Median owner costs for the real estate market are shown in Figure 10 and include the costs associated with any mortgage, utility expenses, insurance, and other miscellaneous costs. Steuben County depicts it has a Median Owner Cost of $809 which is the second most median ownership cost of all the counties in the greater Steuben County region. Figure 11 shows the median amount of cost as a percent of total household income for people who own homes in the Steuben County metro area. it has a Owner Cost as % of HH Income of 16% which is the third most cost as a percent of household income of all other counties in the greater Steuben County region. The next chart, Figure 12, provides a comparison chart of the median home cost as a percent of a median worker take home earnings and is thus a valuable measure of affordable housing. Steuben County depicts it has a Median Home Value as Percent of Median Earnings of 344% which is the second most of all the counties in the greater region.

Figure 14 depicts the median cost of housing for owners with also have a mortgages (versus those who do not have a mortgage because mortgage cost is included.) Steuben County depicts it has a Median Owner Costs-With Mortgage of $1,118 which is more than all other counties in the greater Steuben County region. Figure 15 is a chart that shows the median housing costs for owners who do not have mortgages (and therefore the cost of home ownership does not include mortgage cost.) it has a Median Owner Costs-Without Mortgage of $403 which is the third most median housing cost of all other counties in the greater Steuben County region.

Figure 16 shows the distribution in total housing cost for owners of property (so not renters.) This cost includes mortgages, lines of credit interest, utilities, taxes, insurance, etc. Steuben County has the smallest proportion of owner cost less than $300 at 16% of the total. Second, it has the smallest proportion of owner cost between $500 and $700 at 19% of the total. Third, it has the largest proportion of owner cost between $1,500 and $2,000 at 4% of the total and is ranked #1.

Next shown in Figure 17 is the housing cost as a percent of household income for people who own their homes and have a mortgages (thus the cost of financing the home is included.) Steuben County depicts it has a % of Income Owner Costs-With Mortgage of 19% which is the third most cost as a percent of household income of all other counties in the greater Steuben County region. The county with the highest cost as a percent of household income in the area is Branch County which depicts a cost as a percent of household income of 19% ( only slightly larger). Housing cost as a percent of household income for owners who do not have a mortgage is shown in Figure 18. This analysis can be useful for understanding the affordable housing for home ownership excluding any financing cost in the area shown. Steuben County depicts it has a % of Income Owner Costs-No Mortgage of 9% which is in the center range of other counties in the metro area. The county with the highest cost as a percent of household income in the area is Branch County which shows a cost as a percent of household income of 12% (34.4% larger).

Figure 19 looks at the cost of rent for rental property using the percent of total household income which is a valuable measure of financial health for the area. (The higher the proportion of rent payments to total household income is a sign of greater financial stress. Also, rent can be covered by rent assistance and rent assistance programs in the form of rent assistance.) Steuben County has one of the largest proportions of rent as a percent of income is less than 10 pct at 30% of the total and is ranked #2. The only larger county being DeKalb County with 33%. Second, it has the smallest proportion of rent as a percent of income is between 30pct to 40pct at 6% of the total. Third, it has the smallest proportion of rent as a percent of income is between 40pct to 50pct at 5% of the total.

Figure 20 shows the total housing cost for both home owners and apartment community renters in the area. Steuben County has the smallest proportion of housing cost less than $300 at 15% of the total. Second, it has the largest proportion of housing cost between $1,500 and $2,000 at 3% of the total and is ranked #1.

Figure 21 shows median amount of real estate taxes paid for home owners in the region. it has a Median Real Estate Taxes Paid of $885 which is the second smallest as measured by median real estate taxes paid of all the other counties in the local area. The county with the highest median real estate taxes paid in the area is Branch County which depicts a taxes paid of $1,555 (75.7% larger). Comparing median real estate taxes paid to the United States average of $2,471, Steuben County is approximately a third the size. Also, compared with the state of Indiana, median real estate taxes paid of $1,207, Steuben County is approximately three-fourths the size.

Figure 22 shows the percentage of renters who pay for utilities in Steuben County Indiana. This is calculated as the percent of renters who pay separately for utilities versus the people who have utilities included as part of amenities. Steuben County has the largest proportion of pay extra for utilities at 14% of the total and is ranked #1.

Figure 23 shows the rental rate distribution for this area. Steuben County Indiana has the smallest proportion of rent between 300 and 500 dollars at 26% of the total. Second, it has the largest proportion of rent between 500 and 750 dollars at 31% of the total and is ranked #1. Third, it has the largest proportion of rent between 1000 and 1500 dollars at 3% of the total and is ranked #1.

Steuben County Home Characteristics Charts

Figure 28 shows the household size for families living in the area and it has a Family size of 2.9 which is the smallest when ranked by family members per housing unit of all the other counties in the surrounding region. The county with the highest family members per housing unit in the area is LaGrange County which depicts a family members per housing unit of 3.7 (29.9% larger). Comparing family members per housing unit to the United States average of 3.3, Steuben County is about 16.5% smaller. Also, compared to the state of Indiana, family members per housing unit of 3.2, Steuben County is about 12.4% smaller.

Figure 29 show the median number of rooms in a typical home for each location in this area. it has a Median Number of Rooms of 5.9 which is less than most other counties in the greater region. The county with the highest average number of rooms in a house in the area is LaGrange County which depicts an average number of rooms in a house of 6.5 (10.2% larger). Figure 30 shows, for the average house in each location, the median year that a house was built. This can be useful for understanding the relative age of one neighborhood versus another for a real estate investor. it has a Median Year Built of 1981 which is the most of all counties in the greater Steuben County region.

Figure 31 looks at the distribution of housing units by the median age that the homes were built. it has one of the largest proportions of homes built between 2010 to 2013 at 14% of the total and is ranked #2. The only larger county being LaGrange County with 14%. Second, it has the largest proportion of homes built between 2000 to 2009 at 19% of the total and is ranked #1. Third, it has the largest proportion of homes built between 1990 to 1999 at 13% of the total and is ranked #1. Also, it has the smallest proportion of homes built between 1980 to 1989 at 12% of the total. In addition, it has the smallest proportion of homes built between 1970 to 1979 at 6% of the total. Furthermore, it has the smallest proportion of homes built between 1960 to 1969 at 6% of the total. Next it has the smallest proportion of homes built between 1940 to 1949 at 20% of the total.

Figure 32 shows the difference in the number of housing units based on whether they are occupied by owners versus occupied by renters. has the percentage of owner housing units the second smallest in terms of owner-occupied housing units of all the other counties in the metro area at 3,170 of the total.

Figure 33 shows the difference in the number of housing units based on whether they are occupied by owners or renters. it has one of the largest proportions of 50 or more units at 12% of the total and is ranked #2. The only larger county being Branch County with 13%.

Figure 34 shows the median value of homes broken down by the median year that the homes were built. it has one of the largest proportions of value of homes built 2014 or later at $298,900 of the total and is ranked #2. The only larger county being LaGrange County with $344,600. Second, it has in the mid point range of other counties in the metropolitan area when sorted by value of homes built 2010 to 2013 at $179,100 of the total. Third, it has one of the largest proportions of value of homes built 2000 to 2009 at $167,600 of the total and is ranked #2. The only larger county being LaGrange County with $202,700. Also, it has one of the largest proportions of value of homes built 1990 to 1999 at $146,000 of the total and is ranked #3. Only #2 DeKalb County ($150,700), and #1 LaGrange County ($196,000) are larger. In addition, it has one of the largest proportions of value of homes built 1980 to 1989 at $136,600 of the total and is ranked #2. The only larger county being LaGrange County with $155,000. Furthermore, it has one of the largest proportions of value of homes built 1970 to 1979 at $138,300 of the total and is ranked #2. The only larger county being LaGrange County with $184,500. Next it has one of the largest proportions of value of homes built 1960 to 1969 at $144,400 of the total and is ranked #2. The only larger county being LaGrange County with $164,200. Additionally, it has one of the largest proportions of value of homes built 1950 to 1959 at $124,000 of the total and is ranked #2. The only larger county being LaGrange County with $137,500. And then, it has one of the largest proportions of value of homes built 1940 to 1949 at $108,200 of the total and is ranked #2. The only larger county being LaGrange County with $129,000.

Figure 35 compares the total number of occupied housing units to vacant housing units. This analysis can be used to understand any housing shortage in the community. it has the largest proportion of occupied housing units at 29% of the total and is ranked #1.

The next two charts show both the average household size of homeowners versus the average household size of renters. Starting with Figure 36 we see the household size of homeowners for Steuben County residents. it has a Owner-Household Size of 2.3 which is the smallest in terms of homeowner household size of all the other counties in the metro area. The county with the highest homeowner household size in the area is LaGrange County which depicts a homeowner household size of 3.3 (41.9% larger).

Figure 37 shows the household size for renters. Steuben County depicts it has a Renter-Household Size of 2.2 which is the second smallest in order of renter household size of all the other counties in the greater region. The county with the highest renter household size in the area is LaGrange County which depicts a renter household sizes of 2.4 (6.7% larger). Figure 38 shows the year that people who own homes moved into this region. it has the largest proportion of owners moved in 2010 to 2014 at 33% of the total and is ranked #1. Second, it has the smallest proportion of owners moved in 2000 to 2009 at 16% of the total. Figure 39 shows the year that people who rent moved into the area. Steuben County has the largest proportion of renters moved in 2017 or later at 31% of the total and is ranked #1. Second, it has the smallest proportion of renters moved in 2010 to 2014 at 10% of the total.

Figure 40 compares the median year that home owners moved into their home. it has a Owner Median Year Moved In of 2005 which is the highest of all counties in the greater Steuben County region. Figure 41 compares the median year that renters moved into their home. Steuben County depicts it has a Renter Median Year Moved In of 2015 which is more than all other counties in the greater Steuben County region.

Figure 42 shows the frequency distribution of various types of energy sources used for homes in the community. has the smallest proportion of home using electricity at 0% of the total. Second, it has in the mid point range of other counties in the local area when sorted by homes using coal or coke at 5% of the total. Third, it has one of the largest proportions of homes using solar energy at 1% of the total and is ranked #2. The only larger county being Noble County with 1%.

The next two charts show the number of people living in group quarters and includes temporary as well permanent housing which may be run by the Steuben County housing department, Indiana department, or other housing authority or public housing agency. beginning with Figure 43 which shows the total number of people. Steuben County shows it has a Total In Group Quarters of 1,354 which is the third most of all other counties in the metro area.