The median home in Charlestown, Indiana is valued at $295,914, up 2.4% year over year. Typical monthly rent is $1,318, producing a price-to-rent ratio of 18.7x — near the national average of 18x. Charlestown is part of the Louisville/Jefferson County, KY-IN metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Louisville/Jefferson County, KY-IN stress score, crash risk, and 12-month forecast →

Home Value$295,914

+2.4%

Rent$1,318/mo

AFFORDABILITY

Enter your income for Charlestown.

Income (annual)

Down Payment

$59,183 on $295,914

Stretch — 29.4% of income

Above 28% but manageable with cuts.

PITI$1,839

P/I29.4%

Afford$282K

Gap-$14K

P&I $1,496Tax $210Ins $133

Renting $521/mo cheaper ($1,318 rent)6.50% 30yr, 20% down, county tax + IN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Indiana

Compare Charlestown with other housing markets across Indiana.

Dune Acres$889K Clear Lake$747K Long Beach$720K Zionsville$661K Carmel$548K Michiana Shores$540K Ogden Dunes$467K Westfield$460K

Full Louisville/Jefferson County, KY-IN analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Louisville/Jefferson County, KY-IN metro.

View Louisville/Jefferson County, KY-IN metro →

CHARLESTOWN, IN