Counties / Indiana / Randolph County

Randolph County, IN

FIPS 18135 · population 24,387 · outside every metro area

$163k
Zillow home value · 2026-06
The numbers

What this county costs and earns

Everything here joins on the county FIPS code, so each figure comes from the agency that publishes it with no name matching in between.

Zillow home value
$163k
▲ 12.2% year over year
Zillow ZHVI · direct
Median asking rent
$700
n/a year over year
Zillow ZORI · direct
Gross yield
5.1%
annual rent ÷ price, before costs
derived: rent × 12 ÷ price ✓
HUD 2-bed standard
$956
market rent is 0.73x the standard
HUD Fair Market Rent · direct
Independent price check

Do two methods point the same way?

Zillow estimates a current home value. FHFA tracks repeat mortgage transactions. Their growth rates should be read side by side, not averaged.

Both annual signals move in the same direction
FHFA five-year cumulative+65.1%not annualized · through 2025
0%ZILLOW ZHVI2026-06+12.2%FHFA HPI2025+7.5%
Annual changes use different methods and may use different periods. The comparison checks direction and magnitude; it does not create a blended estimate. Zillow county ZHVI pulled 2026-07-26; FHFA annual county HPI pulled 2026-07-28.
Owner-reported value$113k
Surveyed gross rent$723
Rent burden 30%+49.1%
Median year built1958
Housing composition

Who occupies the stock—and what it is

ACS 2024 5-year
9.2%vacant
11,412estimated housing units
Occupied tenure22.7% renter
owner 77.3%renter 22.7%
Structure mix81.5% single-family
Single-family 81.5%20+ units 2.2%Mobile home 8.3%Other 8.0%
ACS estimates describe the standing housing stock and occupied tenure. They do not measure current listings, transaction prices or asking rents.

Survey source: Census ACS 5-year — county housing value, tenure and stock · ACS 2024 5-year · pulled 2026-07-30. These values describe different housing universes and are not combined into gross yield.

Annual average covered jobs7,080▼ 0.2% from the prior annual release
Covered establishments581annual average reporting locations
Average weekly wage$1,026▲ 2.9% from the prior annual release
Largest private supersectorManufacturing23.1% of disclosed private covered jobs
Local labor base

Jobs, pay and private-sector concentration

2025
0%COVERED JOBS−0.2%WEEKLY WAGE+2.9%Manufacturing23.1%
Annual QCEW counts cover jobs located at reporting establishments. The industry share uses disclosed private covered employment; it is not a resident-employment measure or a forecast.

Workplace source: BLS QCEW — county employment and wages · annual county employment and wages 2025 vs 2024 · pulled 2026-07-31. QCEW counts covered jobs located in the county, not employed residents or the metro score’s CES/LAUS series.

County brief

What the local evidence says

01Decision frame

Randolph County presents a decision tension: a reported gross yield and rising price signals, but neither establishes durable tenant demand or resale liquidity. Zillow's June 2026 median home value was $163,129 and was rising; FHFA's repeat-transaction HPI increased 7.49% in annual 2025 data. The direction agrees, but the observations use separate vintages and methods. Yield-focused buyers should investigate property-level rent durability; buyers dependent on an easy exit should be cautious.

02Housing economics

At $700 per month, the median asking rent supports the reported 5.15% gross yield before vacancy, maintenance, insurance, financing or other costs. HUD's two-bedroom FMR is $956, a payment standard rather than an asking-rent estimate; it must not replace market rent. The effective property-tax rate is 0.79%. Together, the price, rent and tax inputs define only a pre-operating-cost screen, not net income.

03Demand & competition

Annual 2025 QCEW covered employment fell 0.18%. Manufacturing is the largest disclosed private supersector, not the county's entire economy, and QCEW measures jobs at county workplaces rather than resident employment. Tax-return migration was negative 21, while in-movers' average income was $1,125 below out-movers', a calculation from supplied averages. Investor purchases were 13 of 221, or 5.88%, indicating some non-owner competition but not its intensity beyond recorded purchases.

04Risk & next checks

Risk limits are material. Inland flood is the named dominant hazard, and modeled expected annual building-value loss is 0.13%; that county-level ratio cannot price a parcel, insurance policy, deductible or prior-loss history. Realtor.com listing price, active inventory, days on market and price-reduction evidence are not published, preventing a read on visible supply, seller concessions and marketing time. Next checks are unit-level rent comps, vacancy and turnover, property-tax bills, flood maps and insurance quotes, plus financing and operating costs; without them, net-yield and exit-liquidity conclusions remain unproven.

Cities & communities

Where people live within Randolph County

Census-recognized incorporated places and CDPs that intersect this county. The list does not pretend to include every neighborhood or informal community.

Population scale

Largest Census places

ACS 2024 5-year
Winchester city5.3KUnion City city3.6KAlbany town*2.9KFarmland town1.3KParker City town1.2KLynn town943Ridgeville town569Fairview CDP306
Bars use total place population, not a county-share estimate. An asterisk marks a place that crosses a county line.
Official directory

13 Census places

Population
  1. 01
    Winchester cityIncorporated place
    5,284
  2. 02
    Union City cityIncorporated place
    3,569
  3. 03
    Albany townIncorporated place · spans 2 counties
    2,907
  4. 04
    Farmland townIncorporated place
    1,276
  5. 05
    Parker City townIncorporated place
    1,211
  6. 06
    Lynn townIncorporated place
    943
  7. 07
    Ridgeville townIncorporated place
    569
  8. 08
    Fairview CDPCensus-designated place
    306
  9. 09
    Saratoga townIncorporated place
    249
  10. 10
    Losantville townIncorporated place
    238
  11. 11
    Modoc townIncorporated place
    180
  12. 12
    Spartanburg CDPCensus-designated place
    76
Show 1 more places
  1. 13
    Windsor CDPCensus-designated place · spans 2 counties
    0

Population is the total place-wide ACS estimate, not an allocated county share. A place crossing a county line is labelled explicitly. Source: Census ACS 5-year — cities and communities · ACS 2024 5-year · pulled 2026-07-30.

Risk, demand and competition

The three things a price does not tell you

01
Risk & carrying costFEMA NRI + Census ACS
Dominant hazardinland flooding

0.130% of building value expected lost per year

Effective property tax0.79%

$900 median annual bill

02
DemandIRS SOI household flows
Net migration-21

603 in · 624 out

Arriving vs leaving income−$1,125

$43,418 arriving · $44,543 leaving

03
CompetitionHMDA financed purchases
Purchases by investors5.9%

13 of 221 mortgages

investorother financed
Bear case

What can break the county thesis

  1. Target-unit rents, vacancy, turnover and operating costs are not published, so county gross yield may not survive property underwriting.
  2. Parcel flood location, insurance terms and prior losses are unknown; the county climate-loss ratio cannot price an individual asset.
  3. Missing Realtor.com inventory, marketing-time and reduction data prevents assessment of visible supply, seller concessions and exit liquidity.
Underwriting questions

Before pricing a property

Can HUD's two-bedroom FMR be used as Randolph County market rent?

No. The $956 FMR is a HUD payment standard; published market evidence is the $700 monthly median asking rent.

Do Zillow and FHFA report the same price measure and period?

No. Zillow reports a county median home value for June 2026, while FHFA reports a repeat-transaction HPI change for annual 2025.

How much recorded investor participation was there?

Investor purchases were 13 of 221 total purchases, equal to a 5.88% investor share.