St. Joseph County, IN at a glance
Median household income
$66,868$5,572 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in St. Joseph County, IN?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in St. Joseph County, IN? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for South Bend-Mishawaka, IN HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $898 | $10,776 | $35,920 | 16.1% |
| 1-Bedroom Apartment | $1,105 | $13,260 | $44,200 | 19.8% |
| 2-Bedroom ApartmentBenchmark | $1,292 | $15,504 | $51,680 | 23.2% |
| 3-Bedroom Home | $1,567 | $18,804 | $62,680 | 28.1% |
| 4-Bedroom Home | $1,711 | $20,532 | $68,440 | 30.7% |
Rent in St. Joseph County, IN, with the wage each unit needs →
What a typical income covers in St. Joseph County, IN
The 50/30/20 rule applied to the local median of $66,868 a year ($5,572 a month before tax).
What $66,868 leaves after Indiana taxes
Federal income tax, Social Security, Medicare and Indiana tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Indiana
Living in St. Joseph County, IN: common questions
What is the median household income in St. Joseph County, IN?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in St. Joseph County, IN is $66,868 per year (approximately $5,572 per month).
What is the average rent in St. Joseph County, IN?
The closest official figure is HUD's Fair Market Rent for 2026: $898 for a studio, $1,105 for one bedroom, $1,292 for two, $1,567 for three and $1,711 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is St. Joseph County, IN expensive to live in?
Prices there run 7.1% below the U.S. average. BEA's regional price parity for the metro area is 92.9, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in St. Joseph County, IN?
To keep a $1,292 two-bedroom under 30% of gross income, a household needs about $51,680 a year, or $4,307 a month. That is 77% of what the typical household in St. Joseph County, IN earns.
How much do you need to live comfortably in St. Joseph County, IN?
On the local median income of $66,868 ($5,572 a month before tax), the 50/30/20 rule leaves $2,786 a month for needs like rent, utilities and groceries, $1,672 for everything else and $1,114 for savings or debt. A two-bedroom at $1,292 takes 46% of the needs share.
How much is the electric bill in St. Joseph County, IN?
Homes in Indiana paid 17.5¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $158. Your bill depends mostly on heating and cooling.