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Indiana Homes for Sale with No HOA Fee

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No. of Homes
Houses for Sale in Near Eastside, Indianapolis
276
Houses for Sale in Far Eastside, Indianapolis
131
Houses for Sale in Near Northside, Indianapolis
109
Houses for Sale in Downtown, Indianapolis
106
Houses for Sale in Fountain Square, Indianapolis
101
Houses for Sale in Near Southside, Indianapolis
92
Houses for Sale in Martindale Brightwood, Indianapolis
92
Houses for Sale in Near Nw Riverside, Indianapolis
91
Houses for Sale in Near Southeast, Indianapolis
87
Houses for Sale in Galludet, Indianapolis
79
Houses for Sale in Near Westside, Indianapolis
71
Houses for Sale in South Franklin, Indianapolis
66
Houses for Sale in Snacks Guion Creek, Indianapolis
61
Houses for Sale in Mapleton Fall Creek, Indianapolis
55
Houses for Sale in Camby, Indianapolis
54
Houses for Sale in Christian Park, Indianapolis
54
Houses for Sale in Chapel Hill Ben Davis, Indianapolis
53
Houses for Sale in South Perry, Indianapolis
52
Houses for Sale in Meridian Kessler, Indianapolis
51
Houses for Sale in I 69 Fall Creek, Indianapolis
51

Frequently Asked Questions

Where is the cheapest place to buy a house in Indiana?

Gary is the most affordable city to buy a house in Indiana, with a median home price of $82,844. The cost of living there is also about 12.7% lower than the national average.

Other budget-friendly cities include Marion, Anderson, Peru, and Muncie. Each has an average home price below $140K and typically offers a lower overall cost of living.

What is the average cost to buy a house in Indiana?

The average price of a home in Indiana is around $275,400, up about 4% from last year. Even with the increase, housing remains affordable compared to many other states.

Indiana's overall cost of living is about 7% lower than the national average. This makes it an attractive option for buyers looking for value.

How many homes are available for sale in Indiana?

There are currently 30,177 homes listed for sale across Indiana. Of these, 69 are Indiana's hot properties and 19 are Indiana homes without HOA fees.

What are the average HOA fees in Indiana?

HOA fees in Indiana are generally lower than the national average. Most communities charge between $80 and $150 per month, depending on the property's location, size, and amenities. In cities like Indianapolis or Fort Wayne, condo fees may be closer to the higher end.

Compared to states with high-cost urban areas, Indiana offers more budget-friendly HOA rates. It's always a good idea to check what the fee covers, as some include lawn care, trash pickup, or shared amenities like pools or clubhouses.

What is the average utility cost in Indiana?

The average monthly utility cost for a household in Indiana is around $515. This includes electricity, gas, water, trash service, and internet.

Electricity costs about $159 per month, while gas averages $109, with higher bills during the winter. Water and sewer services add around $51, and trash pickup is roughly $21. Internet and cable typically range from $100 to $110 per month.

Overall, Indiana's utility costs are moderate compared to other states. Seasonal changes, home size, and energy usage can affect the final bill, but most households fall within this average range.

Is it smarter to rent or buy a home in Indiana?

Buying a home in Indiana is often the smarter long-term choice. The median home price is around $275,400, and property taxes are relatively low. Monthly mortgage payments are often similar to or even less than rent, especially in Indiana's housing market.

Renting in Indiana costs about $1,200 to $1,500 per month, depending on the city and property size. While renting offers flexibility and lower upfront costs, it doesn't build equity or offer long-term financial stability.

If you plan to stay in one place for several years, buying usually makes more sense. Use a mortgage calculator to compare monthly payments and see what fits best with your budget and lifestyle.

Is Indiana a good place to live?

Yes, Indiana is a great place to live for those who value affordability, space, and a strong sense of community. The cost of living is about 7% lower than the national average, making everyday expenses like housing, groceries, and healthcare more manageable.

One of the top cities in the state is Carmel, known for excellent schools, low crime, and a family-friendly atmosphere. It consistently ranks among the best places to live in the US. The median home price in Carmel is around $545,000, reflecting its high quality of life.

Indiana also offers plenty of parks, small towns with charm, and access to outdoor activities. While winters can be cold and public transit is limited in rural areas, the state remains a strong choice for families, professionals, and retirees alike.

What's the safest place to live in Indiana?

Zionsville is considered the safest city in Indiana, according to 2025 crime data. It reports only 0.288 violent crimes and 2.8 property crimes per 1,000 residents. The town is known for its quiet neighborhoods, strong community ties, and a family-friendly environment.

Other safe cities include Columbus, Carmel, Fishers, St. John, and Westfield. These areas have low crime rates, well-kept neighborhoods, and top-rated schools. Each offers a safe, welcoming setting ideal for families, retirees, and anyone seeking peace of mind.

Can a foreigner buy a house in Indiana?

Yes, foreigners can legally buy a house in Indiana. There are no restrictions based on citizenship or residency, so foreign buyers can purchase property from abroad.

However, financing can be more difficult for non-residents. Most lenders require a 20% to 30% down payment, along with valid ID, proof of income, and sometimes a US bank account. Additionally, some banks offer special mortgage programs tailored for foreign buyers.

What are the disadvantages of moving to Indiana?

Cold winters: Northern Indiana experiences long and snowy winters. This can lead to higher heating bills and difficult driving conditions.

Limited public transportation: Most areas, such as suburban and rural parts of Indiana, lack strong transit systems. This makes owning a car essential for daily commuting and errands.

Industrial air pollution: Certain regions like Gary, East Chicago, and parts of Indianapolis experience higher pollution levels. This can affect air quality, leading to health concerns over time.

Uneven job growth: Cities like Indianapolis are growing steadily. However, smaller towns often offer fewer job opportunities.
  • mls-img
    Based on information from MIBOR REALTOR® Association through Aug 27, 2026, 1:46 PM. The Broker Listing Cooperative® listing service's Listing information is deemed reliable but is not guaranteed accurate by the Broker Listing Cooperative® listing service. All data is obtained from various sources and may not have been verified by broker or Broker Listing Cooperative listing service. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.. All Rights Reserved. © 2025 MIBOR REALTOR® Association.
  • mls-img
    Based on information from the Multiple Listing Service of Greater Cincinnati (alternatively the REALTOR Alliance of Greater Cincinnati) through Aug 27, 2026, 1:45 PM. IDX information is provided exclusively for consumers’ personal, non-commercial use, it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, and the data is deemed reliable but is not guaranteed accurate by the MLS. The listings of some real estate brokerage firms have been excluded. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. Copyright 2024, MLS of Greater Cincinnati, Inc. All rights reserved

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180

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$ 315,000

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51 Days

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