Total monthly cost of ownership
Cost to Own a Home in Hidden Valley, Indiana
A $267,000 home here costs
$2,165per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $93,000 a year.
A standard mortgage calculator would have told you $1,456. The real number is $710 higher every month, 49% more than the payment most buyers budget for.
Compare Dearborn County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Hidden Valley against Dearborn County and Indiana
| Measure | Hidden Valley | Dearborn County |
|---|---|---|
| Median home value | $267,200 | $227,100 |
| Median property tax | $1,823 | $1,726 |
| Effective tax rate | 0.682% | 0.760% |
| Median gross rent | — | $848 |
| Population | 5,625 | 50,828 |
The weather behind that power bill
Hidden Valley sits in Dearborn County, which averages a high of 86.0°F in its hottest month and a low of 23.1°F in its coldest, with 45.26" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,160 cooling and 4,892 heating degree days, which is what sets the $153 electricity line above.
See the full climate breakdown for Dearborn County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dearborn County
Full Dearborn County cost breakdown · Every county in Indiana
Talk to someone who works this market
These are Hidden Valley averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Hidden Valley every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Hidden Valley I already own here and may sell
Common questions
How much does it cost to own a home in Hidden Valley?
A $267,000 home in Hidden Valley, Indiana costs approximately $2,165 per month with 20% down at 7.24%. That is $1,456 principal and interest, $152 property tax, $114 homeowners insurance, $221 utilities and $223 set aside for maintenance.
What is the property tax rate in Hidden Valley?
Hidden Valley has an effective property tax rate of 0.682%, based on a median home value of $267,200 and median real estate taxes of $1,823. That is lower than the Dearborn County average of 0.760%.
What is the average home price in Hidden Valley?
The median owner-occupied home value in Hidden Valley, Indiana is $267,200, against $227,100 across Dearborn County.
Is it cheaper to rent or buy in Hidden Valley?
Rent data is not published for Hidden Valley at this level of detail.
What salary do you need to buy a home in Hidden Valley?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Hidden Valley, Indiana at today's rate takes a household income of roughly $93,000 a year. That covers the full $2,165 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hidden Valley, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Indiana.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.