Johnson County's luxury active adult entry. 524 homes in Bargersville with home prices $400K–$700K+, larger lots and more custom finishes than a standard builder community. For south-side buyers who want resort-caliber quality without the Del Webb formula.
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Talk to a Specialist →Most 55+ communities in the Indianapolis metro are either Del Webb communities (high-amenity, production-builder quality, relatively homogeneous design aesthetic) or smaller boutique communities that trade amenity scale for boutique feel. Morningside Bellshire sits in a different position: large enough at 524 homes to sustain resort-caliber shared amenities, but built with more custom finishes, larger lots, and higher price points than Del Webb's production model.
Bargersville's position just south of Greenwood places it in one of Indiana's fastest-growing corridors. The town of Bargersville itself has been among Indiana's fastest-growing municipalities for several years, which means infrastructure and services are actively expanding — a positive sign for long-term property values, with the near-term caveat that growth brings construction activity in the surrounding area.
Johnson County property tax (~0.95% effective rate) runs below Hamilton County (~1.10%) and Marion County (~1.19%). County income tax is 1.2% — slightly above Hamilton County's 1.1% but below Marion County's 2.02%. For a $500,000 home in Bargersville vs. Carmel: the Bargersville homeowner pays roughly $285/year less in property tax annually. At $60,000 in IRA income: $60 more per year in county income tax than Hamilton County. The net is still favorable to Bargersville at comparable home prices.
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At $520,000 with 20% down ($104K), $416K financed at 6.75% 30-year fixed. Johnson County homestead deduction applied.
| Cost Category | Monthly Estimate | Annual Total |
|---|---|---|
| Mortgage P&I ($416K at 6.75%, 30yr) | $2,699 | $32,388 |
| Property Tax ($520K × ~60% assessed × 0.95%) ÷ 12 | ~$247 | ~$2,964 |
| HOA (estimate — luxury community tier) | ~$300–$400 | ~$3,600–$4,800 |
| Homeowners Insurance | ~$155 | ~$1,860 |
| Utilities | ~$180 | ~$2,160 |
| Total All-In Monthly Housing Cost | ~$3,581–$3,681 | ~$42,972–$44,172 |
HOA fees for luxury 55+ communities typically run higher than production-builder communities due to premium landscaping standards and smaller per-home sharing of fixed costs. Verify current HOA fee with developer or community management before purchasing.
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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