Bluffton, IN—46714
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Bluffton, IN
Bluffton, IN lacks sufficient home price data for analysis.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $218,000 | 6.7% |
| Single Family | $219,000 | 6.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $135,000 | 7.1% |
3 Bed | $220,000 | 6.8% |
4 Bed | $283,000 | 6.4% |
| 5 Bed | $360,000 | 5.0% |
% of Housing Stock
Rental Trends — Bluffton, IN
As of July '25, Rentcast reports the average rent in Bluffton, IN is $1,080, with a year-over-year rent change of 49.0%. Per bedroom, the median rent as of July '25 in Bluffton, IN is 1-bedrooms: $692, 2-bedrooms: $1,090, 3-bedrooms: $1,150, 4-bedrooms: $1,300. The most common rental property sizes in Bluffton, IN are 1-bedroom and 2-bedroom, accounting for 30.4% and 28.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,020 | $1,080 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $692 | $692 |
| 2 Bed Rent | $1,020 | $1,090 |
| 3 Bed Rent | $1,000 | $1,150 |
| 4 Bed Rent | $1,300 | $1,300 |
% of Rental Stock
Property Listings — Bluffton, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Bluffton, IN is 48. This is a increase of 25.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $235,000 | 9.0% |
Listing Count | 38 | -15.0% |
| Listings as % of Homes | 0.2% | -15.0% |
Days on Market | 48 | 25.0% |
Demographics — Bluffton, IN
As of the latest ACS Survey released in 2023, Bluffton, IN has a population of 15,300, which has increased by 2.7% over the past 5 years. Bluffton, IN is a popular place for families, as children make up 25.2% of the population. The area has a poorly educated workforce, with 18.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,300 | 2.7% |
% Under 18 | 25.2% | -2.7% |
% Seniors | 17.2% | -3.9% |
% WFH | 5.4% | 68.8% |
% w/ College Degree | 18.3% | -3.2% |
As of the latest ACS Survey released in 2023, Bluffton, IN is a predominantly white area, with 90.5% of the population identifying as white. The white population has shrunk by 3.4% in the last 5 years. The second most common race or ethnicity in Bluffton, IN is hispanic, making up 4.4% of the population. Foreign-born residents account for 1.6% of the population in Bluffton, IN, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 90.5% | -3.4% |
% Black | 1.5% | 15.4% |
% Hispanic | 4.4% | 29.4% |
% Asian | 0.4% | -33.3% |
% Foreign Born | 1.6% | 0.0% |
Mortgage and Risk — Bluffton, IN
According to HUD data as of 2023, there were 329 mortgage originations in Bluffton, IN, of which 82.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Bluffton, IN. Investor activity is low, as 2.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 329 |
% Conventional Loans | 82.0% |
% Government Loans | 18.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Bluffton, IN
Bluffton, IN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 169 |
Total Units Section 8 | 155 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 96.5% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $18 | $692 | $710 |
| 2 Bedroom | -$90 | $1,020 | $930 |
| 3 Bedroom | $120 | $1,000 | $1,120 |
| 4 Bedroom | $20 | $1,300 | $1,320 |
Affordability — Bluffton, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.9 |
| Median Home Price | $218,000 |
| Median Household Income | $63,500 |