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Featured local agent — St. Mary of the Woods, IN
Sarah Mitchell
Compass Real Estate · St. Mary of the Woods, IN
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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St. Mary of the Woods, IN Housing Market
The last median sale price Redfin published was $446,500 (through May 2026). With homes going under contract in about 4 days, St. Mary of the Woods is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $446,500 home is about $2,384/mo in principal and interest.
Key numbers for St. Mary of the Woods, IN
Median sale price
$446,500
Last published period
Redfin, through December 2025
Days on market
4
Fast-moving
Redfin, through December 2025
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$19,141
Home costs 23.3x income
U.S. Census ACS, 2023
Sale-to-list ratio
101.5%
Selling above asking
Redfin, through December 2025
Zillow figures 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 St. Mary of the Woods a buyer's or seller's market?
St. Mary of the Woods, IN is a seller's market and homes selling in about 4 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the St. Mary of the Woods housing market data show?
Every row below is Redfin's final published month for St. Mary of the Woods, IN. Redfin, through December 2025
| Metric | Value |
|---|---|
| Median sale price | $446,500 |
| Median price per sq ft | $140/sq ft |
| Median days on market | 4 days |
| Sale-to-list price ratio | 101.5% |
| Homes sold (that month) | 1 |
| 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 St. Mary of the Woods is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in St. Mary of the Woods 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 St. Mary of the Woods home prices moved?
Across the 6 months we hold for St. Mary of the Woods, IN, the median sale price rose 129.0%, from $195,000 in November 2021 to $446,500.
Redfin, through December 2025 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in St. Mary of the Woods?
Priced off the median sale price of $446,500 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% | $89,300 | $357,200 | $2,384/mo |
| 5% | $22,325 | $424,175 | $2,831/mo |
Redfin, through December 2025 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 $2,384, that implies roughly $102,157 a year before you add taxes and insurance. The median household in St. Mary of the Woods earns $19,141, about $83,016 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 23.3x — well above the 3x that was historically considered affordable, which is why down payment size drives who can buy here.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in St. Mary of the Woods in the next 12 months?
Tell us your timeline. We send the St. Mary of the Woods 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 St. Mary of the Woods?
Zillow does not publish a rent index (ZORI) for St. Mary of the Woods, IN, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in St. Mary of the Woods?
We hold fewer than two months of inventory readings for St. Mary of the Woods, IN, so there is no trend to report yet.
How does St. Mary of the Woods compare to Indiana and the U.S.?
St. Mary of the Woods homes sell for $446,500 — 55% above the Indiana median of $287,300. Against the national median of $410,700, St. Mary of the Woods runs 9% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| St. Mary of the Woods, IN | $446,500 | not published | 4 days |
| Indiana statewide | $287,300 | +4.2% | 26 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2025 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in St. Mary of the Woods
What buyers should watch
- The gap between 5% and 20% down here is $447 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 $446,500 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 St. Mary of the Woods listing goes under contract in 4 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 101.5% of asking. Price at the number you want and let competition do the rest.
- Comparable ZIP-level pricing inside St. Mary of the Woods varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in St. Mary of the Woods
Explore homes currently listed for sale in St. Mary of the Woods, Indiana across major real estate platforms.
How much do homes cost in St. Mary of the Woods by property type?
How the St. Mary of the Woods, IN market breaks down across single-family homes, condos and townhouses. Redfin, through December 2025
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $446,500 | $140/sq ft | 1 | 4 days |
Who lives in St. Mary of the Woods?
American Community Survey estimates for St. Mary of the Woods. U.S. Census ACS, 2023
Population
869
Households
271
Median income
$19,141/yr
Median age
61.3 years
Owner-occupied
32.5%
Median home value
$168,800
Median gross rent
$467/mo
Mean commute
17.5 min
32.5% of occupied homes in St. Mary of the Woods 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.
Which cities are near St. Mary of the Woods, IN?
Ordered by distance from St. Mary of the Woods, not by size. Compare St. Mary of the Woods side by side with any of them.
St. Mary of the Woods housing market FAQ
Is St. Mary of the Woods a buyer's or seller's market?
St. Mary of the Woods, IN is currently a seller's market based on the supply, pace-of-sale and sale-to-list data we hold for this city. Redfin's public market tracker last published in May 2026, so this classification will not move until a new source fills that gap.
How much do homes cost in St. Mary of the Woods?
The median sale price in the last month Redfin published was $446,500, about $140 per square foot.
Is St. Mary of the Woods cheaper than the rest of Indiana?
St. Mary of the Woods's median sale price of $446,500 is 55% higher than the Indiana statewide median of $287,300, and 9% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in St. Mary of the Woods?
Homes in St. Mary of the Woods, IN spent a median of 4 days on market before going under contract, versus 26 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in St. Mary of the Woods?
At the current 30-year fixed rate of 7.03%, 20% down on a $446,500 home is about $2,384 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $102,157 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $19,141.
Are home prices rising in St. Mary of the Woods?
We do not hold a complete 12-month value series for St. Mary of the Woods, IN yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in St. Mary of the Woods?
St. Mary of the Woods 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 St. Mary of the Woods?
That depends on your timeline, not on a headline. What the data says today: St. Mary of the Woods, IN is a seller's market, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $446,500, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.