Berne, Indiana.
Typical home $255,602 (+6.8% in a year). Decatur, IN metro.
to buy the typical home at today's mortgage rate — +$793 (+144%) since Jan 2020.
- 1 year
- Up $16,223 +7%
- $239,380$255,602 since Sep 2025
- 5 years
- Up $78,218 +44%
- $177,384$255,602 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Berne$1,342
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 9 years.
Typical home values in Berne, IN rose 6.8% over the past year — faster than the nation's +1.2%.
Living in Berne, Adams County, Indiana
Berne is a city of 4,173 people in Adams County. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Adams County was 3.2% in August 2026, and the county had 0.7% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Berne is a small city in Adams County, Indiana, with a younger population than many small towns, and most homes are lived in by their owners. Incomes run a little below the county's, and a four-year degree is held by fewer adults than in the country as a whole. Winters are cold, with January the coldest month, and summers are warm in July. Snow falls through the winter, and rain and melted snow add up to a fair amount over the year.
Work. Residents work mainly in schools, hospitals and social care, in manufacturing, in shops, and in banks, insurance and property. Among the largest workplaces in Berne are Smith Brothers PLANT 1, which makes upholstered furniture, Swiss Village Retirement Community, and EP Graphics, a print shop. Most people have a fairly short drive to work, and a modest number work from home.
Things to do. Ouabache State Park is a protected area a short drive away, and it is the nearest outdoor spot on the list. Farther afield, a longer drive brings you to the Mississinewa River and to Eldora Speedway, a race track. The Rialto Theatre is also a longer drive away, for an evening out.
Report a mistake
- 1,488households
- 26%of adults have a degree
- 12%below the poverty line
- 20 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Adams County had 13,023 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 18°; warmest in July, with highs near 84° and lows near 64°. About 28 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Berne Wwtp weather station, 2 miles away (NOAA).
Largest workplaces in Berne
- Smith Brothers PLANT 1Furniture, household-type, upholstered on frames of any material, manufacturing350
- Swiss Village Retirement CommunityContinuing care retirement communities274
- EP GraphicsPrint shops, flexographic120
- Poseidon Barge - BerneFabricated structural metal manufacturing110
- Key FastenersBolts, metal, manufacturing90
- St. Henry Tile CoTruck-mixed concrete manufacturing50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 994 people in all. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Strong windRelatively high
- TornadoesRelatively high
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Berne’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Adams County and the Decatur, IN metro.
Berne home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Berne$255,602
- Indiana$257,165
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Berne12
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Berne address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Berne — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.