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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Indiana • September 2025

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2025
39.8%
Year-over-year change
+2%
Compared to 38.9% last year
Difference from state
+0%
Compared to 39.8% in Indiana
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September 2025
39.8%
Year-over-year change
+2%
Compared to 38.9% last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2025, midnight 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.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2025
39.8%
Year-over-year change
-7%
Compared to 42.6% last year
Difference from state
+0%
Compared to 39.8% in Indiana
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September 2025
39.8%
Year-over-year change
-7%
Compared to 42.6% last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2025, midnight 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.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$61,915
Year-over-year change
+4%
Compared to $59,581 last year
Difference from state
+0%
Compared to $61,915 in Indiana
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January 2025
$61,915
Year-over-year change
+4%
Compared to $59,581 last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2025, midnight Source: American Community Survey and Bureau of Labor Statistics Employment Cost Index Data notes: The most recent income measure from the American Community Survey is adjusted by two-year change in the Employment Cost Index to adjust to current dollars.

Market Momentum

Price

Median Monthly Payment

For median-priced home
September 2025
$2,055
Year-over-year change
+6%
Compared to $1,931 last year
Difference from state
+0%
Compared to $2,055 in Indiana
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September 2025
$2,055
Year-over-year change
+6%
Compared to $1,931 last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2025, midnight 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.

Median Sale Price

3-Month Rolling Median
September 2025
$273,000
Year-over-year change
+5%
Compared to $260,000 last year
Difference from state
+0%
Compared to $273,000 in Indiana
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September 2025
$273,000
Year-over-year change
+5%
Compared to $260,000 last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2025, midnight Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, September 2025
84,189
+4%
Under $250K
38,424
-4%
At Least $250K
45,765
+13%
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All properties, September 2025
84,189
+4%
Under $250K
38,424
-4%
At Least $250K
45,765
View source and notes...

Last update: Oct. 7, 2025, midnight Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, September 2025
107,846
+7%
Under $250K
45,601
-2%
At Least $250K
62,245
+14%
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All properties, September 2025
107,846
+7%
Under $250K
45,601
-2%
At Least $250K
62,245
View source and notes...

Last update: Oct. 7, 2025, midnight Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, September 2025
19,416
+19%
Under $250K
7,581
+15%
At Least $250K
11,836
+21%
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All properties, September 2025
19,416
+19%
Under $250K
7,581
+15%
At Least $250K
11,836
View source and notes...

Last update: Oct. 7, 2025, midnight Source: IAR MLS Data Warehouse Data notes: None

More for Indiana All metrics

Inventory In Monthly Market Report New Listings In Monthly Market Report Closed Sales by Construction In Detailed Market Overview Closed Sales by Property Type In Detailed Market Overview

Contact

Indiana Association of REALTORS®
143 W Market St, Ste 100
Indianapolis, IN 46204
Phone: 1.800.284.0084

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