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Mortgage Calculator &
Closing Costs: Anderson, IN

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Anderson, Indiana.

Median Home Price
$125K
Population
54K
Avg Monthly Rent
$720
Property Tax Rate
0.84%
Anderson vs Indiana Median
The median home price in Anderson is $125,000, which is 48% below the Indiana state median of $240,000.

Mortgage Calculator — Anderson, IN

Pre-filled with Anderson median home price and Indiana tax/insurance rates. Adjust for your property.

$
$25,000
%
%
years
IN avg
%
$
Monthly Payment (PITI)
$862
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$632
per month
Taxes & Insurance
$230
per month
Total Interest Paid
$128K
over 30 years
Total Loan Cost
$228K
all payments
Payment Breakdown
Loan Amount$100,000
Principal & Interest$632
Property Taxes$88
Homeowners Insurance$142
Total Monthly PITI$862

Closing Costs — Anderson, IN

Estimated closing costs based on Indiana rates and fees applied to Anderson prices.

$
%
Indiana: Avg closing costs 1.1% of price. Transfer tax: 0%.
Estimated Closing Costs
$6,209
5.0% of purchase price
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Lender Fees
$1,325
origination, underwriting
Third-Party
$2,075
appraisal, title, inspection
Government Fees
$0
transfer taxes, recording
Prepaids + Escrow
$2,809
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$900
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$925
Recording Fee$150
Prepaid Taxes (3 mo)$263
Prepaid Insurance (12 mo)$1,700
Prepaid Interest (15 days)$301
Escrow Reserves$546
Total Closing Costs$6,209

Buying a Home in Anderson, Indiana

The median home price in Anderson is $125,000, 48% below the Indiana state median of $240,000. With a population of 54,476, Anderson is a smaller market where home prices tend to be more accessible than in many parts of Indiana.

Property taxes in Indiana average 0.84% annually. This moderate property tax rate means a $125,000 home in Anderson would carry roughly $88/month in property taxes. Homeowners insurance in Indiana runs approximately $1,700 per year. This is within the normal range nationally.

Average rent in Anderson is $720/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Anderson over the long term.

Anderson offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Indiana's IHCDA Next Home program.

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