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

Housing Affordability

Home price and typical payment compared to income

Summary

Generating summary...

Housing Affordability • Whitley County • September 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
34.6%
Year-over-year change
+15%
Compared to 30.1% last year
Difference from state
-19%
Compared to 42.7% in Indiana
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
35.6%
Year-over-year change
-13%
Compared to 40.7% last year
Difference from state
-4%
Compared to 37.1% in Indiana
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
$81,921
Year-over-year change
+2%
Compared to $80,595 last year
Difference from state
+32%
Compared to $61,915 in Indiana
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
$2,365
Year-over-year change
+15%
Compared to $2,055 last year
Difference from state
+7%
Compared to $2,201 in Indiana
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
$302,000
Year-over-year change
+11%
Compared to $272,900 last year
Difference from state
+7%
Compared to $280,995 in Indiana
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
393
-7%
Under $250K
183
-2%
At Least $250K
210
-11%
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
439
-13%
Under $250K
190
-14%
At Least $250K
249
-13%
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
64
-2%
Under $250K
21
-28%
At Least $250K
44
+20%
View source and notes...

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