All Reports › Housing Affordability › Terre Haute MSA • October 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

Summary

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Housing Affordability • Terre Haute MSA • October 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
October 2026
30.6%
Year-over-year change
+18%
Compared to 25.9% last year
Difference from state
-14%
Compared to 35.6% in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:53 a.m. Source: IAR Data Warehouse / American Community Survey Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Income is the Median Household Income series, including its projected years. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
October 2026
64.3%
Year-over-year change
-9%
Compared to 70.8% last year
Difference from state
+77%
Compared to 36.2% in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 a.m. Source: IAR Data Warehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Demographics

Median Household Income

Adjusted to current dollars
January 2026
$59,096
Year-over-year change
+3%
Compared to $57,163 last year
Difference from state
-22%
Compared to $75,847 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:53 a.m. Source: American Community Survey and Bureau of Labor Statistics Employment Cost Index Data notes: Median household income from the American Community Survey: 1-year estimate where available, 5-year otherwise; county groups are household-weighted. Each year is averaged with the prior year to smooth sampling noise. The latest two years are projections: the ACS figure from two years earlier grown by the two-year change in the BLS Employment Cost Index (December to December), replaced when that ACS year is published. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
October 2026
$1,509
Year-over-year change
+22%
Compared to $1,233 last year
Difference from state
-33%
Compared to $2,250 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 a.m. Source: IAR Datawarehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Median Sale Price

3-Month Rolling Median
October 2026
$186,000
Year-over-year change
+13%
Compared to $165,000 last year
Difference from state
-33%
Compared to $277,250 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 a.m. Source: IAR Data Warehouse Data notes: - Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Sales

Closed Sales by Price

12-month rolling total
All properties, October 2026
1,635
-0%
Under $250K
1,140
-6%
At Least $250K
495
+16%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Supply

New Listings by Price

12-month rolling total
All properties, October 2026
2,207
-3%
Under $250K
1,490
-8%
At Least $250K
717
+11%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.

Inventory by Price

Average daily inventory in latest month
All properties, October 2026
428
+7%
Under $250K
284
+7%
At Least $250K
144
+7%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Terre Haute MSA includes Clay County, Sullivan County, Vigo County.