Berne, Indiana: commercial real estate data.
Berne is a Census city of 3,965 people across 2.31 square miles of land, in Adams County. Median household income is $62,159, 69.7 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $4.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Berne
What Berne is
- Census place typecity
- Land area2.31 sq mi
- Water area0.01 sq mi
- Population per square mile of land1,714
- County holding the largest share of its areaAdams County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Berne
How many people live in Berne
- Population3,965
- Median age33.6
- Population under 181,091 plus or minus 234
- Share under 1827.5 percent plus or minus 5.6
- Population 65 and over754 plus or minus 161
- Share 65 and over19.0 percent plus or minus 3.8
- Households1,488
- Family households976
- Share of households that are families65.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Berne
Income and work in Berne
- Median household income$62,159 plus or minus $21,397
- Per capita income$30,299
- Civilian labor force1,991
- Employed1,912
- Unemployed79 plus or minus 68
- Unemployment rate4.0 percent plus or minus 3.4
- Adults 25 and over2,597
- Adults 25 and over with a high school diploma or higher93.7 percent
- Adults 25 and over with a bachelor degree or higher25.8 percent plus or minus 5.6
- Adults 25 and over with a graduate degree9.0 percent plus or minus 3.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Berne
Housing in Berne
- Housing units1,582
- Occupied units1,488
- Vacant units94 plus or minus 81
- Vacancy rate5.9 percent plus or minus 5.1
- Owner occupied1,037
- Renter occupied451 plus or minus 135
- Ownership rate69.7 percent
- Median owner-occupied home value$151,700
- Median gross rent, monthly$792 plus or minus $192
- Annual rent as a share of median income15.3 percent plus or minus 6.4
- Single family units1,134
- Share single family71.7 percent
- Units in buildings of two or more423 plus or minus 151
- Share in buildings of two or more26.7 percent plus or minus 9.1
- Mobile homes25 plus or minus 24
- Median year structure built1973
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Berne
How Berne gets to work
- Workers 16 and over who commute1,708
- Commuting under 15 minutes833 plus or minus 202
- Share commuting under 15 minutes48.8 percent plus or minus 10.3
- Commuting 30 minutes or more340 plus or minus 115
- Share commuting 30 minutes or more19.9 percent plus or minus 6.3
- Drove alone77.6 percent
- Carpooled5.8 percent plus or minus 3.7
- Public transport0.5 percent plus or minus 0.8
- Walked6.1 percent plus or minus 5.4
- Worked from home9.6 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Berne
SBA loans in Berne (7(a))
- Approvals2
- Gross approval$4,749,400
- Average approval$2,374,700
- Median approval$2,374,700
- Largest approval$4,725,000
- Jobs supported15
- Jobs per approval7.5
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term90 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Berne, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Berne
SBA loans in Berne (504)
- Approvals1
- Gross approval$203,000
- Average approval$203,000
- Median approval$203,000
- Largest approval$203,000
- Jobs supported10
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Berne, in any county, FY2010 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Berne
Flood risk in Berne
- NFIP communityCity of Berne
- NFIP community number180485
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/10(M)
The City of Berne participates in the National Flood Insurance Program as community 180485 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Adams County, not Berne
Adams County context, not Berne figures
- Establishments in Adams County768
- Covered employment, Adams County12,932
- Average annual pay, Adams County$49,465
- Housing units permitted, Adams County85
Every figure in this section is published for Adams County as a whole and is not a measurement of Berne.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Berne questions, answered from the record.
How many people live in Berne, Indiana?
3,965, in 1,488 households. Berne city covers 2.31 square miles of land, which is 1,714 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Berne in?
Adams County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Berne?
$62,159. The median owner-occupied home is valued at $151,700. Median gross rent is $792 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Berne businesses?
2 7(a) approvals totaling $4.7 m since FY2020, across 2 lenders, median approval $2,374,700, plus 1 504 approvals worth $203,000 since FY2010. These count approvals to borrowers whose address is in Berne, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Berne borrowers get paid back?
No rate is published for Berne. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Berne in the National Flood Insurance Program?
Yes. Berne appears in the FEMA Community Status Book as Berne, city of, community 180485, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Berne figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Adams County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Berne.
Is zoning published for Berne?
No. Nothing on this page presents parcel level zoning.
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