All Reports Housing Affordability Orange County • July 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

 Quick Summary

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Housing AffordabilityOrange CountyJuly 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
27.8%
Year-over-year change
+29%
Compared to 21.5% last year
Difference from state
-34%
Compared to 42.2% in Indiana
View source and notes...

Last update: Aug. 7, 2026, 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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
July 2026
52.9%
Year-over-year change
-21%
Compared to 67.0% last year
Difference from state
+46%
Compared to 36.1% in Indiana
View source and notes...

Last update: Aug. 7, 2026, 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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$69,997
Year-over-year change
+5%
Compared to $66,518 last year
Difference from state
+13%
Compared to $61,915 in Indiana
View source and notes...

Last update: Aug. 7, 2026, 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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Market Momentum

Price

Median Monthly Payment

For median-priced home
July 2026
$1,624
Year-over-year change
+29%
Compared to $1,257 last year
Difference from state
-25%
Compared to $2,178 in Indiana
View source and notes...

Last update: Aug. 7, 2026, 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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Median Sale Price

3-Month Rolling Median
July 2026
$212,500
Year-over-year change
+31%
Compared to $162,200 last year
Difference from state
-25%
Compared to $285,000 in Indiana
View source and notes...

Last update: Aug. 7, 2026, midnight Source: IAR Data Warehouse Data notes: - Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Sales

Closed Sales by Price

12-month rolling total
All properties, August 2026
193
+3%
Under $250K
137
+4%
At Least $250K
57
+21%
View source and notes...

Last update: Aug. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Supply

New Listings by Price

12-month rolling total
All properties, August 2026
322
+4%
Under $250K
207
+5%
At Least $250K
116
+3%
View source and notes...

Last update: Aug. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Inventory by Price

Average daily inventory in latest month
All properties, August 2026
104
-1%
Under $250K
63
+3%
At Least $250K
42
-7%
View source and notes...

Last update: Aug. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.