Out of Reach

 
Out of Reach:

Rental Housing At What Cost?

October, 1998
Indiana
(Tables are wide. Scroll to the right.) >>
State and Metro Area Data
 
   
 
      
Income Needed to Afford FMR
Estimated % Renters unable to afford FMR
Hourly Wage Needed to Afford
Percent of Federal Minimum Wage (@$5.15)
Work Hours/week Necessary at Minimum Wage
  
   
FAIR MARKET RENTS BY NUMBER OF BEDROOMS
    
Amount
Percent of AMI
Estimated % of Renter median
                  
 
1990 RENTER HOUSEHOLDS
Zero 
One 
Two 
Three 
Four 
1998 Area Median Income (HUD) 
1998 Estimated Renter Median Income
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
  
Indiana
473,864 
$ 337 
$ 425 
$ 528 
$ 676 
$ 758 
$ 48,479 
$ 31,119 
$ 17,014 
$ 21,126 
35%
44%
55%
68%
30%
35%
$ 8.18 
$ 10.16 
159%
197%
64
79
 Indiana
METRO AREA                                             METRO AREA
Bloomington, IN
17,796 
$ 360 
$ 466 
$ 620 
$ 861 
$ 1,017 
$ 44,600 
$ 26,900 
$ 18,640 
$ 24,800 
42%
56%
69%
92%
37%
47%
$ 8.96 
$ 11.92 
174%
232%
70
93
 Bloomington, IN
Elkhart-Goshen, IN
15,968 
$ 363 
$ 414 
$ 524 
$ 670 
$ 769 
$ 48,200 
$ 32,500 
$ 16,560 
$ 20,960 
34%
43%
51%
64%
27%
34%
$ 7.96 
$ 10.08 
155%
196%
62
78
 Elkhart-Goshen, IN
Evansville-Henderson, IN-KY
33,752 
$ 275 
$ 327 
$ 424 
$ 531 
$ 594 
$ 43,700 
$ 26,733 
$ 13,080 
$ 16,960 
30%
39%
49%
63%
26%
33%
$ 6.29 
$ 8.15 
122%
158%
49
63
 Evansville-Henderson, IN-KY
Fort Wayne, IN
45,158 
$ 311 
$ 397 
$ 492 
$ 635 
$ 690 
$ 48,800 
$ 30,221 
$ 15,880 
$ 19,680 
33%
40%
53%
65%
28%
34%
$ 7.63 
$ 9.46 
148%
184%
59
73
 Fort Wayne, IN
Gary, IN
66,224 
$ 363 
$ 478 
$ 596 
$ 748 
$ 836 
$ 49,000 
$ 30,146 
$ 19,120 
$ 23,840 
39%
49%
63%
79%
33%
41%
$ 9.19 
$ 11.46 
178%
223%
71
89
 Gary, IN
Indianapolis, IN
187,127 
$ 355 
$ 445 
$ 535 
$ 670 
$ 751 
$ 51,100 
$ 34,289 
$ 17,800 
$ 21,400 
35%
42%
52%
62%
28%
33%
$ 8.56 
$ 10.29 
166%
200%
66
80
 Indianapolis, IN
Kokomo, IN
10,201 
$ 334 
$ 396 
$ 516 
$ 663 
$ 722 
$ 50,800 
$ 28,473 
$ 15,840 
$ 20,640 
31%
41%
56%
72%
30%
38%
$ 7.62 
$ 9.92 
148%
193%
59
77
 Kokomo, IN
Lafayette, IN
22,767 
$ 338 
$ 430 
$ 573 
$ 797 
$ 941 
$ 48,700 
$ 31,300 
$ 17,200 
$ 22,920 
35%
47%
55%
73%
30%
39%
$ 8.27 
$ 11.02 
161%
214%
64
86
 Lafayette, IN
Muncie, IN
14,986 
$ 289 
$ 360 
$ 426 
$ 578 
$ 683 
$ 42,200 
$ 25,200 
$ 14,400 
$ 17,040 
34%
40%
57%
68%
31%
35%
$ 6.92 
$ 8.19 
134%
159%
54
64
 Muncie, IN
Ohio County, IN
423 
$ 281 
$ 316 
$ 404 
$ 521 
$ 573 
$ 42,000 
$ 25,000 
$ 12,600 
$ 16,200 
30%
39%
50%
65%
27%
34%
$ 6.06 
$ 7.79 
118%
151%
47
60
 Ohio County, IN
South Bend, IN
25,873 
$ 312 
$ 415 
$ 546 
$ 682 
$ 765 
$ 46,800 
$ 31,600 
$ 16,600 
$ 21,800 
35%
47%
53%
69%
28%
37%
$ 7.98 
$ 10.48 
155%
204%
62
81
 South Bend, IN
Terre Haute, IN
15,496 
$ 281 
$ 329 
$ 419 
$ 524 
$ 584 
$ 38,900 
$ 23,400 
$ 13,200 
$ 16,800 
34%
43%
56%
72%
30%
38%
$ 6.35 
$ 8.08 
123%
157%
49
63
 Terre Haute, IN

County Data
 

         
Income Needed to Afford FMR
Estimated % Renters unable to afford FMR
  
         
Amount
Percent of AMI
Estimated % of Renter median
      
County  Metro Area
Renter
Households,
1990
1998 Area Median Income (HUD)
1998 Estimated Renter Median Income 
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
One
Bedroom
Two
Bedroom
 County 
Adams County  Fort Wayne, IN
2,264 
$ 48,800 
$ 29,100 
$ 15,880 
$ 19,680 
33%
40%
55%
68%
30%
35%
 Adams County 
Allen County  Fort Wayne, IN
33,766 
$ 48,800 
$ 30,500 
$ 15,880 
$ 19,680 
33%
40%
52%
65%
28%
34%
 Allen County 
Boone County  Indianapolis, IN
3,315 
$ 51,100 
$ 29,000 
$ 17,800 
$ 21,400 
35%
42%
61%
74%
33%
39%
 Boone County 
Clark County  Louisville, KY-IN
10,529 
$ 44,600 
$ 28,300 
$ 15,920 
$ 19,520 
36%
44%
56%
69%
30%
37%
 Clark County 
Clay County  Terre Haute, IN
1,942 
$ 38,900 
$ 22,300 
$ 13,160 
$ 16,760 
34%
43%
59%
75%
31%
39%
 Clay County 
Clinton County  Lafayette, IN
3,206 
$ 48,700 
$ 31,300 
$ 17,200 
$ 22,920 
35%
47%
55%
73%
30%
39%
 Clinton County 
De Kalb County  Fort Wayne, IN
2,392 
$ 48,800 
$ 31,100 
$ 15,880 
$ 19,680 
33%
40%
51%
63%
27%
33%
 De Kalb County 
Dearborn County  Cincinnati, OH-KY-
2,959 
$ 51,500 
$ 27,600 
$ 15,600 
$ 20,840 
30%
40%
57%
76%
30%
39%
 Dearborn County 
Delaware County  Muncie, IN
14,986 
$ 42,200 
$ 25,200 
$ 14,400 
$ 17,040 
34%
40%
57%
68%
31%
35%
 Delaware County
Elkhart County  Elkhart-Goshen, IN
15,968 
$ 48,200 
$ 32,500 
$ 16,560 
$ 20,960 
34%
43%
51%
64%
27%
34%
 Elkhart County 
Floyd County  Louisville, KY-IN
6,802 
$ 44,600 
$ 26,100 
$ 15,920 
$ 19,520 
36%
44%
61%
75%
32%
39%
 Floyd County 
Hamilton County  Indianapolis, IN
8,988 
$ 51,100 
$ 30,400 
$ 17,800 
$ 21,400 
35%
42%
59%
70%
31%
37%
 Hamilton County 
Hancock County  Indianapolis, IN
3,193 
$ 51,100 
$ 28,100 
$ 17,800 
$ 21,400 
35%
42%
63%
76%
33%
40%
 Hancock County 
Harrison County  Louisville, KY-IN
1,558 
$ 44,600 
$ 29,700 
$ 15,920 
$ 19,520 
36%
44%
54%
66%
28%
35%
 Harrison County 
Hendricks County  Indianapolis, IN
4,584 
$ 51,100 
$ 28,700 
$ 17,800 
$ 21,400 
35%
42%
62%
75%
33%
39%
 Hendricks County 
Howard County  Kokomo, IN
8,807 
$ 50,800 
$ 28,200 
$ 15,840 
$ 20,640 
31%
41%
56%
73%
30%
39%
 Howard County 
Huntington County  Fort Wayne, IN
2,990 
$ 48,800 
$ 28,800 
$ 15,880 
$ 19,680 
33%
40%
55%
68%
30%
37%
 Huntington County 
Johnson County  Indianapolis, IN
8,148 
$ 51,100 
$ 29,900 
$ 17,800 
$ 21,400 
35%
42%
60%
72%
32%
38%
 Johnson County 
Lake County  Gary, IN
55,028 
$ 49,000 
$ 30,400 
$ 19,120 
$ 23,840 
39%
49%
63%
78%
33%
41%
 Lake County 
Madison County  Indianapolis, IN
13,409 
$ 51,100 
$ 30,400 
$ 17,800 
$ 21,400 
35%
42%
59%
70%
31%
37%
 Madison County 
Marion County  Indianapolis, IN
137,431 
$ 51,100 
$ 35,800 
$ 17,800 
$ 21,400 
35%
42%
50%
60%
26%
32%
 Marion County 
Monroe County  Bloomington, IN
17,796 
$ 44,600 
$ 26,900 
$ 18,640 
$ 24,800 
42%
56%
69%
92%
37%
47%
 Monroe County 
Morgan County  Indianapolis, IN
4,145 
$ 51,100 
$ 30,900 
$ 17,800 
$ 21,400 
35%
42%
58%
69%
31%
37%
 Morgan County 
Ohio County  Ohio County, IN
423 
$ 42,000 
$ 25,000 
$ 12,640 
$ 16,160 
30%
38%
51%
65%
27%
34%
 Ohio County 
Porter County  Gary, IN
11,196 
$ 49,000 
$ 28,900 
$ 19,120 
$ 23,840 
39%
49%
66%
82%
35%
43%
 Porter County 
Posey County  Evansville-Henders
1,875 
$ 43,700 
$ 22,800 
$ 13,080 
$ 16,960 
30%
39%
57%
74%
31%
39%
 Posey County 
Scott County  Louisville, KY-IN
1,729 
$ 44,600 
$ 24,800 
$ 15,920 
$ 19,520 
36%
44%
64%
79%
34%
41%
 Scott County 
Shelby County  Indianapolis, IN
3,914 
$ 51,100 
$ 32,300 
$ 17,800 
$ 21,400 
35%
42%
55%
66%
30%
35%
 Shelby County 
St. Joseph County  South Bend, IN
25,873 
$ 46,800 
$ 31,600 
$ 16,600 
$ 21,840 
35%
47%
53%
69%
28%
37%
 St. Joseph County 
Tippecanoe County  Lafayette, IN
19,561 
$ 48,700 
$ 31,300 
$ 17,200 
$ 22,920 
35%
47%
55%
73%
30%
39%
 Tippecanoe County 
Tipton County  Kokomo, IN
1,394 
$ 50,800 
$ 30,200 
$ 15,840 
$ 20,640 
31%
41%
52%
68%
28%
37%
 Tipton County 
Vanderburgh County  Evansville-Henders
23,493 
$ 43,700 
$ 27,300 
$ 13,080 
$ 16,960 
30%
39%
48%
62%
26%
33%
 Vanderburgh County 
Vermillion County  Terre Haute, IN
1,316 
$ 38,900 
$ 23,300 
$ 13,160 
$ 16,760 
34%
43%
56%
72%
30%
38%
 Vermillion County 
Vigo County  Terre Haute, IN
12,238 
$ 38,900 
$ 23,600 
$ 13,160 
$ 16,760 
34%
43%
56%
71%
30%
38%
 Vigo County 
Warrick County  Evansville-Henders
2,900 
$ 43,700 
$ 23,800 
$ 13,080 
$ 16,960 
30%
39%
55%
71%
30%
38%
 Warrick County 
Wells County  Fort Wayne, IN
1,995 
$ 48,800 
$ 29,100 
$ 15,880 
$ 19,680 
33%
40%
55%
68%
30%
35%
 Wells County 
Whitley County  Fort Wayne, IN
1,751 
$ 48,800 
$ 28,800 
$ 15,880 
$ 19,680 
33%
40%
55%
68%
30%
37%
 Whitley County 

Click here to download a (Microsoft Excel 97) spreadsheet of these tables.
 

NOTES:
  • FMR = Fair Market Rent 
  • AMI = Area Median Income, determined by HUD 
  • HUD = Department of Housing and Urban Development 
  • EST RTR MEDIAN = 1998 Estimated Renter Median Income, based on 1990 renter median income as percent of household median income 
  • Income Needed to Afford = Affordability is based on the official 30%-of-income standard used in federal housing subsidy programs. 
  • % Unable to Afford = percent ofrenter population whomust pay more than 30% of income for rent. 
  • Wage calculations are based on a 40 hour week for 52 weeks per year. 
  • The federal minimum wage is $5.15/hour. 
  • Rows are shaded for navigational purposes only.
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