Market Overview
Home Prices in Osgood, IN
The median home value in Osgood, IN is $260,406 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.5% compared to a year ago and up 4.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Osgood are priced36% below average.
Over the past five years, Osgood home values have risen by approximately31.3%, reflecting strong long-term appreciation in this market.
Price History
Osgood Home Price Trend
2020
$167,870
$168K
—
2021
$198,256
$198K
+18.1%
2022
$223,060
$223K
+12.5%
2023
$234,535
$235K
+5.1%
2024
$234,340
$234K
-0.1%
2025
$244,523
$245K
+4.3%
2026
$260,406
$260K
+6.5%
City Comparison
Osgood vs. National Median
🏠 Osgood
$260,406
National Median
$410,000
At $260,406, homes in Osgood cost 36% below the national median of $410,000. This makes Osgood a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Osgood?
20% Down Payment
$52,081
on $260,406
Monthly P&I
$1,358/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,725/mo
incl. taxes & insurance
Income Needed
$69,000
gross annual (30% rule)
10% Down Option
$26,041
+ PMI applies
Loan Amount (20% dn)
$208,325
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 Osgood, IN?
The median home value in Osgood is $260,406 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.5% year-over-year.
How much have home prices changed in Osgood?
Over the past year, home values in Osgood have increased by 6.5%. Over five years, prices have risen approximately 31.3%.
How much do I need to earn to buy a home in Osgood?
To comfortably afford the median home price of $260,406 with a 20% down payment ($52,081) at today's rates (6.8%), you'd need a gross annual income of approximately $69,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Osgood compare to the national average home price?
The national median home value is approximately $410,000. At $260,406, homes in Osgood are 36% below the national average.