St. John: Housing & Real Estate
Housing in St. John centers on a median value of $406,300 (estimated market value runs 24% higher at $503,163), with median rent $989 (about the same as Lake County median $1,039; about the same as Indiana median $972). Homeownership rate: 97.4%. That's 2.1× higher than the Lake County median ($195,100); 2.1× higher than the Indiana median ($189,322). Market is hot. Vacancy rate 1.2%. New construction makes up 32.4% of stock. A municipal building code is in effect.
- 3.1× annual income — home value vs. household income (vs Indiana 2.6×).
- 34.2 years to break even renting at the median (vs Indiana 16y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 24% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $406,300 — 2.1× the Indiana median ($189,321). Median rent $989/month. homeownership rate 97.4% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.1× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 8.9% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 42.2% |
| Affordability · Poverty Rate | 2.1% |
| Affordability · Property Tax Pct Income | 2.8% |
| Fair Market Rent · Studio rent | $959 |
| Fair Market Rent · One-bedroom rent | $1,082 |
| Fair Market Rent · Two-bedroom rent | $1,317 |
| Fair Market Rent · Three-bedroom rent | $1,612 |
| Fair Market Rent · Four-bedroom rent | $1,744 |
| Fair Market Rent · HUD FMR area | Gary, IN HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $503,163 |
| Median Home Value | $406,300 (vs Indiana $189,322) |
| Median Rent | $989 (vs Indiana $972) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | hot |
|---|---|
| Housing Market · Vacancy rate | 1.2% |
| Housing Market · New construction (% of stock) | 32.4% |
| Housing Market · Price Appreciation 2Yr | 9.6% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 94.2% |
| Broadband · Broadband-capable premises | 9,086 |
| Electricity · Electricity rate (¢/kWh) | 14.77¢/kWh |
| Electricity · Customers | 3,056,216 |
| Electricity · Revenue Millions | $4,880 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 7 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 97.4% |
|---|---|
| Median Year Built | 2003 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12