Cost of Living in Adams County, Indiana
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Adams County Compares
Median monthly rent comparison
Detailed Housing Stats
National Ranking
Affordability Rank
Adams County ranks #748 of 3,144 counties for affordability (top 24%)
Data Story
About Cost of Living in Adams County, Indiana
Adams County rents remain affordable nationally
Renters in Adams County spend 15.2% of their income on housing—well below the national affordability threshold of 30% and slightly better than the U.S. median household income of $74,755. With a median household income of $63,128 and median rent of $799 monthly, Adams County offers genuine housing relief compared to most American counties.
Better than most Indiana counties
Adams County's rent-to-income ratio of 15.2% ranks it among Indiana's most affordable counties, beating the state average of 15.6%. At $799 monthly rent versus the state median of $883, renters here save roughly $84 per month compared to typical Hoosier housing costs.
A budget-friendly northeast Indiana choice
Adams County's $799 rent undercuts nearby Benton County ($834) and Carroll County ($874), making it the most affordable option in its immediate region. Homebuyers also benefit, with a median home value of $173,100 positioning Adams as an accessible entry point for rural northeast Indiana.
Where your paycheck goes
Renters allocate about $799 monthly to housing while earning $63,128 annually ($5,261 monthly), leaving substantial income for other expenses. Homeowners pay $855 monthly, consuming 16.3% of household income—suggesting both rental and ownership remain within comfortable affordability ranges.
Consider Adams County for rural living
If you're seeking affordable housing in Indiana's northeast corner, Adams County delivers below-state-average rents and home values under $180,000. Compare these costs to your current location and explore the region's small-town character and job markets before making your move.
Cost of Living Advisory: Adams County
Affordability Verdict
Adams County offers affordable rental housing at a median of $799/month — about 15.2% of the typical household income here.
Rent vs. Own
Renters in Adams County pay $799/month on average, compared to $855/month for homeowners. This market favors renters by about 7%.
Income Needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $31,960/year. For owner costs at the 28% rule, the required income is roughly $36,643/year. With a median household income of $63,128, most households can comfortably afford rent here. Notably, 26.0% of renter households in Adams County are cost-burdened, spending more than 30% of income on housing.
Regional Context
Within Indiana, Adams County is less affordable than Ohio County by roughly 6% ($799/mo vs $852/mo).
Affordability Calculator
See how your income compares to housing costs in Adams County
Rent Burden
15.2%
of gross income
Max Housing (28% Rule)
$1,473
per month
Owner Cost Burden
16.3%
of gross income
You can likely afford the median home in Adams County
Median home value is $173,100. Estimated monthly cost: $1,382 vs. your max of $1,473.
Rent Affordability Guide
Income Needed Calculator
See how much you need to earn to comfortably afford housing
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Based on the 30% rule for rent and 28% rule for housing costs (mortgage + owner costs). Mortgage estimate assumes 20% down, 7.2% interest, 30-year fixed.
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.
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