$95,000
225 E Donald St
South Bend, IN
4 bd2 ba1,728 sqft$55/ft²
House4,356 sqft lot
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Sarah Mitchell
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Compass Real Estate · South Bend, IN
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South Bend, IN(512) 555-0184TX License #0512847
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South Bend, IN Housing Market
Seller's market+6.9% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in South Bend, IN is worth $201,639, rose 6.9% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $190,000, +5.6% year over year (through May 2026). With 1.8 months of supply and homes going under contract in about 22 days, South Bend is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $201,639 home is about $1,076/mo in principal and interest.
Key numbers for South Bend, IN
Typical home value
$201,639
+6.9% in 12 months
Zillow, August 2026
Typical asking rent
$1,298/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$190,000
+5.6% year over year
Redfin, through May 2026
Days on market
22
Average pace
Redfin, through May 2026
Active listings
220
1.8 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$52,512
Home costs 3.8x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.3%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is South Bend a buyer's or seller's market?
Seller's market1.8 months of supply22 days on market98.3% of asking
South Bend, IN is a seller's market, based on 1.8 months of supply and homes selling in about 22 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the South Bend housing market data show?
Every row below is Redfin's final published month for South Bend, IN. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $190,000 |
| Median list price | $212,000 |
| Year-over-year price change | +5.6% |
| Median price per sq ft | $135/sq ft |
| Median days on market | 22 days |
| Active inventory | 220 listings |
| Months of supply | 1.8 months |
| Sale-to-list price ratio | 98.3% |
| Homes sold (that month) | 121 |
| New listings (that month) | 178 |
| Listings with a price cut | 24.6% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for South Bend is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in South Bend is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have South Bend home prices moved?
Over the last three years the median sale price in South Bend, IN rose 20.6%, from $157,500 to $190,000. The live Zillow value series has rose 6.9% in the last 12 months, which is the more current read now that Redfin's series has stopped. 24.6% of South Bend listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 1.8 months while the sale-to-list ratio slips below its current 98.3%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in South Bend?
Priced off the typical home value of $201,639 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $40,328 | $161,312 | $1,076/mo |
| 5% | $10,082 | $191,557 | $1,278/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,076, that implies roughly $46,134 a year before you add taxes and insurance. The median household in South Bend earns $52,512, about $6,378 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.8x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in South Bend in the next 12 months?
Tell us your timeline. We send the South Bend market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in South Bend?
Typical asking rent in South Bend, IN is $1,298/mo, against a typical home value of $201,639. That is a price-to-rent ratio of 12.9x, which means buying tends to beat renting on monthly cost over a typical hold. Compared head to head, 20% down puts principal and interest at $1,076 a month — $222 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in South Bend?
Active listings in South Bend, IN went from 252 in May 2025 to 220 in May 2026, a -12.7% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 236 | 156 |
| July 2025 | 225 | 174 |
| August 2025 | 243 | 161 |
| September 2025 | 263 | 150 |
| October 2025 | 263 | 146 |
| November 2025 | 257 | 105 |
| December 2025 | 237 | 86 |
| January 2026 | 202 | 94 |
| February 2026 | 189 | 99 |
| March 2026 | 199 | 141 |
| April 2026 | 217 | 183 |
| May 2026 | 220 | 178 |
Redfin, through May 2026
How does South Bend compare to Indiana and the U.S.?
South Bend homes sell for $190,000 — 34% below the Indiana median of $287,300. Against the national median of $410,700, South Bend runs 54% lower. Year-over-year, South Bend moved +5.6% against Indiana's +4.2% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| South Bend, IN | $190,000 | +5.6% | 22 days |
| Indiana statewide | $287,300 | +4.2% | 26 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in South Bend
What buyers should watch
- Months of supply, currently 1.8. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 24.6%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $202 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $201,639 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median South Bend listing goes under contract in 22 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.3% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month South Bend added 178 new listings against 121 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +6.9% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside South Bend varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in South Bend
There are currently 220 homes listed for sale in South Bend, Indiana. The median listing price is $212K. Featured listings range from $95,000 to $375,000.
$100,000
613 E Broadway St
South Bend, IN
3 bd1 ba1,344 sqft$74/ft²
House6,098 sqft lot
View photos & details
$110,000
1526 N Olive St
South Bend, IN
3 bd1 ba940 sqft$117/ft²
House5,227 sqft lot
View photos & details
$125,000
1310 N Brookfield St
South Bend, IN
3 bd1 ba1,092 sqft$114/ft²
House5,663 sqft lot
View photos & details
$145,000
1749 N Fremont St
South Bend, IN
3 bd2 ba1,120 sqft$129/ft²
House7,841 sqft lot
View photos & details
$170,000
121 S Meade St
South Bend, IN
3 bd2 ba1,664 sqft$102/ft²
House4,356 sqft lot
View photos & details
$189,900
1123 S 21st St
South Bend, IN
3 bd1 ba1,235 sqft$154/ft²
House6,098 sqft lot
View photos & details
$220,000
55849 Mayflower Rd
South Bend, IN
3 bd2 ba1,120 sqft$196/ft²
House12,197 sqft lot
View photos & details
$239,900
104 S Tuxedo Dr
South Bend, IN
3 bd2 ba1,652 sqft$145/ft²
House11,326 sqft lot
View photos & details
$250,000
1518 Hass Dr
South Bend, IN
4 bd2 ba1,680 sqft$149/ft²
House8,777 sqft lot
View photos & details
$250,000
1604 Hoover Ave
South Bend, IN
5 bd2 ba2,652 sqft$94/ft²
House7,841 sqft lot
View photos & details
$375,000
25634 Pack Trl
South Bend, IN
3 bd3 ba2,720 sqft$138/ft²
House12,632 sqft lot
View photos & details
Looking to buy in South Bend?
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Active listings
220
Homes on market
Median list price
$212K
Avg. days on market
22
Days until sale
New this week
178
Newly listed
Price drops:24.6%of listings
Sale-to-list:98.3%
How much do homes cost in South Bend by property type?
How the South Bend, IN market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $183,750 | $131/sq ft | 112 | 22 days |
Who lives in South Bend?
American Community Survey estimates for South Bend. U.S. Census ACS, 2023
Population
102,866
Households
41,127
Median income
$52,512/yr
Median age
33.9 years
Owner-occupied
58.8%
Median home value
$124,500
Median gross rent
$1,000/mo
Mean commute
20 min
58.8% of occupied homes in South Bend are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $124,500 against Zillow's $201,639 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $1,000/mo, below Zillow's $1,298/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve South Bend?
36 schools tracked · 16,187 students
The largest public schools serving South Bend, IN by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Adams High School
Grades 9-12 · 1,987 students
Riley High School
Grades 9-12 · 998 students
Washington High School
Grades 9-12 · 812 students
Harrison Elementary School
Grades PK-5 · 601 students
Success Academy Primary School
Grades K-5 · 572 students
Madison S.T.E.A.M. Academy
Grades K-5 · 565 students
Jefferson Traditional School
Grades 6-8 · 526 students
Dickinson Fine Arts Academy
Grades 6-8 · 519 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near South Bend, IN?
Ordered by distance from South Bend, not by size. Compare South Bend side by side with any of them.
South Bend housing market FAQ
Is South Bend a buyer's or seller's market?
South Bend, IN is currently a seller's market. That read comes from 1.8 months of supply, homes going under contract in about 22 days, and sellers getting 98.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in South Bend?
The typical home in South Bend, IN is worth $201,639 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $190,000, about $135 per square foot.
Is South Bend cheaper than the rest of Indiana?
South Bend's median sale price of $190,000 is 34% lower than the Indiana statewide median of $287,300, and 54% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in South Bend?
Homes in South Bend, IN spent a median of 22 days on market before going under contract, versus 26 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in South Bend?
At the current 30-year fixed rate of 7.03%, 20% down on a $201,639 home is about $1,076 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $46,134 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $52,512.
Are home prices rising in South Bend?
The typical home value in South Bend, IN rose 6.9% over the last 12 months, from $188,680 to $201,639 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in South Bend?
South Bend ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in South Bend?
That depends on your timeline, not on a headline. What the data says today: South Bend, IN is a seller's market with 1.8 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 12.9x means buying tends to beat renting on monthly cost over a typical hold. Properties Incorporated publishes the data; it does not give financial advice.
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