Market Overview
Home Prices in Dunkirk, IN
The median home value in Dunkirk, IN is $137,503 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.5% compared to a year ago and up 6.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Dunkirk are priced66% below average. Dunkirk is part of the Muncie, IN metro area.
Over the past five years, Dunkirk home values have risen by approximately35.1%, reflecting strong long-term appreciation in this market.
Price History
Dunkirk Home Price Trend
City Comparison
Dunkirk vs. National Median
At $137,503, homes in Dunkirk cost 66% below the national median of $410,000. This makes Dunkirk a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Dunkirk?
20% Down Payment
$27,501
on $137,503
Monthly P&I
$717/mo
30-yr @ 6.8%
Total Monthly Est.
~$911/mo
incl. taxes & insurance
Income Needed
$36,440
gross annual (30% rule)
10% Down Option
$13,750
+ PMI applies
Loan Amount (20% dn)
$110,002
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 Dunkirk, IN?
The median home value in Dunkirk is $137,503 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.5% year-over-year.
How much have home prices changed in Dunkirk?
Over the past year, home values in Dunkirk have decreased by 1.5%. Over five years, prices have risen approximately 35.1%.
How much do I need to earn to buy a home in Dunkirk?
To comfortably afford the median home price of $137,503 with a 20% down payment ($27,501) at today's rates (6.8%), you'd need a gross annual income of approximately $36,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Dunkirk compare to the national average home price?
The national median home value is approximately $410,000. At $137,503, homes in Dunkirk are 66% below the national average.
What metro area is Dunkirk part of?
Dunkirk is part of the Muncie, IN metropolitan area. Home prices and market conditions can vary across the broader metro region.