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Bartholomew County, Indiana VA Loan Information

Table of Contents


What is the VA Loan Limit?

2021 VA Home Loan Limit: $0 down up to $5,000,000* (Subject to lender limits) /2 open VA loans at one time $548,250* (Call 888-573-4496 for details).

How to Apply for a VA Home Loan?

This is a quick look at how to apply for a VA home loan in Bartholomew County. For a more detailed overview of the VA home loan process, check out our complete guide on how to apply for a VA house loan. Here, we’ll go over the general steps to getting a VA home loan and point out some things to pay attention to in Bartholomew County. If you have any questions, you can call us at VA HLC and we’ll help you get started.

  1. Get your Certificate of Eligibility (COE)
    • Give us a call at (877) 432-5626 and we’ll get your COE for you.
  2. Are you applying for a refinance loan? Check out our complete guide to VA Refinancing.
  3. Get pre-approved, to get pre-approved for a loan, you’ll need:
    • Previous two years of W2s
    • Most recent 30 days paystubs or LES (active duty)
    • Most recent 60 days bank statements
    • Landlord and HR/Payroll Department contact info
  4. Find a home
    • We can help you check whether the home is in one of the Bartholomew County flood zones
  5. Get the necessary inspections
    • Termite inspection: required
    • Well or septic inspections needed, if applicable
  6. Get the home appraised
    • We can help you find a VA-Certified appraiser in Bartholomew County and schedule the process
    • Construction loan note: Construction permit/appraisal info
      1. Building permit
      2. Elevation certificate
  7. Lock in your interest rates
    • Wait until the appraisal lock in your loan rates. If it turns out you need to make repairs, it can push your closing back. Then you can get stuck paying rate extension fees.
  8. Close the deal and get packing!
    • You’re ready to go.

What is the Median Home Price?

As of March 2021, the median home value for Bartholomew County is $190,604. In addition, the median household income for residents of the county is $63,431.

How much are the VA Appraisal Fees?

  • Single-Family: $525.
  • Individual Condo: $525.
  • Manufactured Homes: $525.
  • 2-4 Unit Multi-Family: $675.
  • Appraisal Turnaround Times: 5 days.

Do I need Flood Insurance?

  • The VA requires properties are required to have flood insurance if they are in a Special Flood Hazard Area.
  • In Bartholomew County, flood hazard areas are generally located around the county’s several rivers and creeks. However, the most significant ones are around the Driftwood River, Flatrock River, and East Fork White River. Additionally, areas around Denios Creek and Opossum Creek also see some flooding.

How do I learn about Property Taxes?

  • Ginny Whipple is the Bartholomew county tax assessor. Her office is located at 440 Third Street, Columbus, Indiana 47201, and can also be reached by calling (812) 379-1505.
  • The state of Indiana offers several tax incentives to promote the state’s economic development. These include a decreasing corporate tax rate, which in 2021 will drop from 6.5% to 4.9% to incentivize the creation of new businesses in the state. Additionally, the state has no gross receipts tax or inventory tax. Programs like the Economic Development for a Growing Economy offer tax credits for the creation of new jobs and improve the living standard for residents of the state.

What is the Population?

  • As of 2019, Bartholomew County’s population is 83,779, which has grown by about 6.3% since 2010. Demographically speaking, 80% of the population is White, with 8% Asian, and 7% Hispanic.
  • Most county residents are between 18 and 65 years old, with 23% under 18 years old and 16% older than 65.
  • In total, the county has about 31,669 households, with an average of two people per household.

What are the major cities?

The county has one city, the city of Columbus, which serves as the county seat.

About Bartholomew County

Located in the southern area of Indiana, Bartholomew County is an excellent place to call home. Thanks to its many parks and natural areas, Bartholomew County is a great place to spend the day outdoors. Bartholomew County is home to many different attractions, including museums, memorials, and recreation areas. Be sure to attend all of the festivals held in Bartholomew County each year!

The county is also home to many great restaurants and shopping centers. Bartholomew County was created on February 12, 1821, and named after Lt. Col. Joseph Bartholomew, who fought at the Battle of Tippecanoe.

Be sure to visit all of the beautiful outdoor spots in Bartholomew County. Anderson Falls is a forty-four-acre park with several hiking and biking trails. Anderson Falls features a beautiful waterfall that you can’t miss.

Sports-lovers should visit the Batting Cages at Lincoln Park, which features six different cages, excellent for practicing your swing. For your next picnic or family gathering, come to Ceraland Park. Ceraland Park features beautiful views and all the amenities you need. Other great recreation areas in Bartholomew County include Clifty Park, Donner Park, and Freedom Field Playground.

No matter what your idea of fun, you will find it in Bartholomew County. Visit the Atterbury-Bakalar Air Museum to learn about the history of flight. Featuring group tours, activities for children, and no-cost admittance, the Atterbury-Bakalar Air Museum is a great place to bring your family.

Columbus Skateland is a popular spot to visit on the weekends. With its reasonably-priced admittance and skate rentals, Columbus Skateland is sure to be fun for everyone. Other excellent attractions include the Exit 76 Antique Mall, the Columbus Learning Center, and many more!

Furthermore, there is a multitude of festivals that are sure to interest almost anyone in Bartholomew County. The Columbus ArtFest celebrates the local, talented artists of Bartholomew County. Featuring paintings, jewelry, sculpture, and more, ArtFest is the perfect place to pick up the next piece for your home. The Columbus Scottish Festival is a huge celebration of Scottish Heritage.

Veteran Information

The county is currently home to 3,808 veterans.

  • Military Bases
    • Camp Atterbury – 3008 Old Hospital Road, Edinburgh, Indiana 46124.
  • Bartholomew County is home to one VFW post:
    • Post-1897 Wagner-Reddick – 215 N. National Road, Columbus, Indiana 47201.
  • County Veteran Assistance Information

Apply for a VA Home Loan

  • For more information about VA Home Loans and how to apply, click here.
  • If you meet the VA’s eligibility requirements, you will be able to enjoy some of the best government-guaranteed home loans available.  
  • VA loans can finance the construction of a property. However, the property must be owned and prepared for construction as the VA cannot ensure vacant land loans.

VA Approved Condos

Currently, there are no VA-approved condos in Bartholomew County. However, it is still possible to get a condo through the condo approval process, call us at (877) 432-5626 and we will assist you through the process.

Indiana VA Loan Information

VA Loan Information by State