All Reports › Housing Affordability › Starke County • October 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

Summary

Generating summary...

Housing Affordability • Starke County • October 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
October 2026
34.1%
Year-over-year change
+37%
Compared to 24.9% last year
Difference from state
-4%
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: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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
October 2026
55.0%
Year-over-year change
-9%
Compared to 60.4% last year
Difference from state
+52%
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: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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 2026
$68,599
Year-over-year change
+1%
Compared to $68,036 last year
Difference from state
-10%
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: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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
October 2026
$1,947
Year-over-year change
+38%
Compared to $1,412 last year
Difference from state
-13%
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: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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
October 2026
$239,950
Year-over-year change
+27%
Compared to $189,000 last year
Difference from state
-13%
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: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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, November 2026
317
-7%
Under $250K
180
-19%
At Least $250K
137
+16%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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, November 2026
427
-9%
Under $250K
205
-25%
At Least $250K
222
+11%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures 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, November 2026
96
-3%
Under $250K
46
+9%
At Least $250K
50
-12%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: New construction, and listings handled by an MLS outside this county's association, are now counted here. Figures are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.