All Reports › Housing Affordability › Howard County • September 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Howard County • September 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
32.1%
Year-over-year change
+7%
Compared to 29.9% last year
Difference from state
-25%
Compared to 42.7% in Indiana
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September 2026
32.1%
Year-over-year change
+7%
Compared to 29.9% last year
Difference from state
-25%
View source and notes...

Last update: Oct. 7, 2026, 8:37 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.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2026
65.3%
Year-over-year change
-5%
Compared to 68.8% last year
Difference from state
+76%
Compared to 37.1% in Indiana
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September 2026
65.3%
Year-over-year change
-5%
Compared to 68.8% last year
Difference from state
+76%
View source and notes...

Last update: Oct. 7, 2026, 7:29 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.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$57,180
Year-over-year change
+4%
Compared to $55,059 last year
Difference from state
-8%
Compared to $61,915 in Indiana
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January 2025
$57,180
Year-over-year change
+4%
Compared to $55,059 last year
Difference from state
-8%
View source and notes...

Last update: Oct. 7, 2026, 8:37 a.m. 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 2026
$1,527
Year-over-year change
+7%
Compared to $1,427 last year
Difference from state
-31%
Compared to $2,201 in Indiana
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September 2026
$1,527
Year-over-year change
+7%
Compared to $1,427 last year
Difference from state
-31%
View source and notes...

Last update: Oct. 7, 2026, 7:29 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.

Median Sale Price

3-Month Rolling Median
September 2026
$195,000
Year-over-year change
+3%
Compared to $189,500 last year
Difference from state
-31%
Compared to $280,995 in Indiana
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September 2026
$195,000
Year-over-year change
+3%
Compared to $189,500 last year
Difference from state
-31%
View source and notes...

Last update: Oct. 7, 2026, 7:29 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, October 2026
1,238
-5%
Under $250K
861
-8%
At Least $250K
377
+4%
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All properties, October 2026
1,238
-5%
Under $250K
861
-8%
At Least $250K
377
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, October 2026
1,572
-5%
Under $250K
1,089
-5%
At Least $250K
483
-5%
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All properties, October 2026
1,572
-5%
Under $250K
1,089
-5%
At Least $250K
483
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, October 2026
287
-4%
Under $250K
187
-8%
At Least $250K
100
+5%
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All properties, October 2026
287
-4%
Under $250K
187
-8%
At Least $250K
100
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

More for Howard County 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

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