Market Overview
Home Prices in Osceola, IN
The median home value in Osceola, IN is $298,254 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osceola are priced27% below average. Osceola is part of the South Bend-Mishawaka, IN-MI metro area.
Over the past five years, Osceola home values have risen by approximately35.3%, reflecting strong long-term appreciation in this market.
Price History
Osceola Home Price Trend
City Comparison
Osceola vs. National Median
At $298,254, homes in Osceola cost 27% below the national median of $410,000. This makes Osceola a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osceola?
20% Down Payment
$59,651
on $298,254
Monthly P&I
$1,556/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,976/mo
incl. taxes & insurance
Income Needed
$79,040
gross annual (30% rule)
10% Down Option
$29,825
+ PMI applies
Loan Amount (20% dn)
$238,603
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 Osceola, IN?
The median home value in Osceola is $298,254 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5% year-over-year.
How much have home prices changed in Osceola?
Over the past year, home values in Osceola have increased by 5%. Over five years, prices have risen approximately 35.3%.
How much do I need to earn to buy a home in Osceola?
To comfortably afford the median home price of $298,254 with a 20% down payment ($59,651) at today's rates (6.8%), you'd need a gross annual income of approximately $79,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Osceola compare to the national average home price?
The national median home value is approximately $410,000. At $298,254, homes in Osceola are 27% below the national average.
What metro area is Osceola part of?
Osceola is part of the South Bend-Mishawaka, IN-MI metropolitan area. Home prices and market conditions can vary across the broader metro region.