Granger, Indiana.
Typical home $416,933 (+3.9% in a year), asking rent $1,942 (+12.7%). South Bend-Mishawaka, IN-MI metro.
to buy the typical home at today's mortgage rate — +$1,195 (+120%) since Jan 2020.
- 1 year
- Up $15,501 +4%
- $401,431$416,933 since Sep 2025
- 5 years
- Up $92,496 +29%
- $324,437$416,933 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.
- Granger$2,188
- Indiana$1,350
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Granger, IN rose 3.9% over the past year — faster than the nation's +1.2%.
Asking rents in Granger, IN rose 12.7% over the past year — faster than the nation's +2.7%.
Owning the typical home in Granger runs $992/mo more than renting one. The gap peaked at $1,125 in Mar 2025.
That is $2,935 a month against $1,942 rent: a $2,188 mortgage payment, plus $300 property tax and $446 insurance & upkeep.
Owning vs renting — Granger
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,935
- Renting$1,942
- Mortgage only$2,188
Property tax · $300/mo 0.86% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Joseph County, IN
Insurance & upkeep · $446/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Granger, St. Joseph County, Indiana
Granger, in St. Joseph County, had 30,337 people in the 2020 census. Half its households earn more than $123,318 a year and half less, against $66,868 across St. Joseph County; 5% of its people live below the poverty line. 95% of its homes are lived in by their owners and 5% are rented. Unemployment in St. Joseph County was 4.1% 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. Granger is a community just outside South Bend, and it is a place where nearly everyone owns the home they live in. Households here earn well above the county's typical income, and few residents live below the poverty line. Most adults have a four-year degree, and the typical resident is in middle age. Homes and rents both run on the expensive side.
Work. Residents work mainly in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing many. Among the larger workplaces in Granger are Crane Industrial Service Co, which erects structural steel, Majestic Care of South Bend, a nursing home, and Big C Lumber Co, a building materials store. The typical commute is a modest one, and some residents work from home.
Things to do. Notre Dame Stadium, the football stadium, is a short drive away, as is the Studebaker National Museum, which looks back on the area's carmaking past. Fort St. Joseph, a historic fort, and the Potawatomi Zoo are also a short drive off. Winters are cold and snowy, summers are warm, and precipitation falls steadily through the year.
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- 10,560households
- 56%of adults have a degree
- 5%below the poverty line
- 22 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Joseph County had 121,917 jobs in 2025, 0.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 32° and lows near 17°; warmest in July, with highs near 83° and lows near 63°. About 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the South Bend weather station, 6 miles away (NOAA).
Largest workplaces in Granger
- Granger LLC PlantApplicators, wood, manufacturing128
- Crane Industrial Service CoErecting structural steel60
- Majestic Care of South BendNursing homes58
- GrangerMail and parcel delivery40
- RO Veterinary PartnersVeterinarians' practices32
- Big C Lumber CoHome centers, building materials31
- Goodwill Industries of MichianaApparel stores, used clothing29
- TRG ServicesCommercial building construction general contractors27
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 405 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
- Cold wavesRelatively high
- HailRelatively moderate
- Strong windRelatively moderate
- TornadoesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Granger’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 St. Joseph County and the South Bend-Mishawaka, IN-MI metro.
Granger home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Granger$416,933
- Indiana$257,165
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Granger listings, and the typical home goes pending in 25 days — the market is cooling.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Granger32.33%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Granger25
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Granger125
New listings per month
Sellers arriving at the market.
- Granger42
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Granger$421,138
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Granger99.08%
Zip codes with a Granger address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Granger — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.