Total monthly cost of ownership
Cost to Own a Home in St. Wendel, Indiana
A $268,000 home here costs
$2,084per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,378. The real number is $706 higher every month — 51% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
St. Wendel against Vanderburgh County and Indiana
| Measure | St. Wendel | Vanderburgh County |
|---|---|---|
| Median home value | $267,900 | $172,300 |
| Median property tax | $1,641 | $1,420 |
| Effective tax rate | 0.613% | 0.824% |
| Median gross rent | — | $964 |
| Population | 1,120 | 179,908 |
St. Wendel extends across 2 counties. Figures here use Vanderburgh County, where most of its housing sits.
The weather behind that power bill
St. Wendel sits in Vanderburgh County, which averages a high of 88.6°F in its hottest month and a low of 25.5°F in its coldest, with 47.91" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 1,525 cooling and 4,340 heating degree days, which is what sets the $163 electricity line above.
See the full climate breakdown for Vanderburgh County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Vanderburgh County
Full Vanderburgh County cost breakdown · Every county in Indiana
Common questions
How much does it cost to own a home in St. Wendel?
A $268,000 home in St. Wendel, Indiana costs approximately $2,084 per month with 20% down at 6.66%. That is $1,378 principal and interest, $137 property tax, $114 homeowners insurance, $231 utilities and $223 set aside for maintenance.
What is the property tax rate in St. Wendel?
St. Wendel has an effective property tax rate of 0.613%, based on a median home value of $267,900 and median real estate taxes of $1,641. That is lower than the Vanderburgh County average of 0.824%.
What is the average home price in St. Wendel?
The median owner-occupied home value in St. Wendel, Indiana is $267,900, against $172,300 across Vanderburgh County.
Is it cheaper to rent or buy in St. Wendel?
Rent data is not published for St. Wendel at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Wendel — 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.