Market Overview
Home Prices in Berne, IN
The median home value in Berne, IN is $262,506 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.2% compared to a year ago and up 6.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Berne are priced36% below average. Berne is part of the Decatur, IN metro area.
Over the past five years, Berne home values have risen by approximately45.7%, reflecting strong long-term appreciation in this market.
Price History
Berne Home Price Trend
2020
$163,521
$164K
—
2021
$180,213
$180K
+10.2%
2022
$206,686
$207K
+14.7%
2023
$217,112
$217K
+5.0%
2024
$231,352
$231K
+6.6%
2025
$247,108
$247K
+6.8%
2026
$262,506
$263K
+6.2%
City Comparison
Berne vs. National Median
🏠 Berne
$262,506
National Median
$410,000
At $262,506, homes in Berne cost 36% below the national median of $410,000. This makes Berne a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Berne?
20% Down Payment
$52,501
on $262,506
Monthly P&I
$1,369/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,739/mo
incl. taxes & insurance
Income Needed
$69,560
gross annual (30% rule)
10% Down Option
$26,251
+ PMI applies
Loan Amount (20% dn)
$210,005
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Berne, IN?
The median home value in Berne is $262,506 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.2% year-over-year.
How much have home prices changed in Berne?
Over the past year, home values in Berne have increased by 6.2%. Over five years, prices have risen approximately 45.7%.
How much do I need to earn to buy a home in Berne?
To comfortably afford the median home price of $262,506 with a 20% down payment ($52,501) at today's rates (6.8%), you'd need a gross annual income of approximately $69,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Berne compare to the national average home price?
The national median home value is approximately $410,000. At $262,506, homes in Berne are 36% below the national average.
What metro area is Berne part of?
Berne is part of the Decatur, IN metropolitan area. Home prices and market conditions can vary across the broader metro region.