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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • SIRA (Association) • September 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
36.5%
Year-over-year change
+7%
Compared to 34.1% last year
Difference from state
-14%
Compared to 42.7% in Indiana
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September 2026
36.5%
Year-over-year change
+7%
Compared to 34.1% last year
Difference from state
-14%
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. SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2026
33.3%
Year-over-year change
-7%
Compared to 35.8% last year
Difference from state
-10%
Compared to 37.1% in Indiana
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September 2026
33.3%
Year-over-year change
-7%
Compared to 35.8% last year
Difference from state
-10%
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. SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$69,432
Year-over-year change
+4%
Compared to $66,884 last year
Difference from state
+12%
Compared to $61,915 in Indiana
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January 2025
$69,432
Year-over-year change
+4%
Compared to $66,884 last year
Difference from state
+12%
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. SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
September 2026
$2,115
Year-over-year change
+7%
Compared to $1,973 last year
Difference from state
-4%
Compared to $2,201 in Indiana
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September 2026
$2,115
Year-over-year change
+7%
Compared to $1,973 last year
Difference from state
-4%
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. SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Median Sale Price

3-Month Rolling Median
September 2026
$270,000
Year-over-year change
+3%
Compared to $261,996 last year
Difference from state
-4%
Compared to $280,995 in Indiana
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September 2026
$270,000
Year-over-year change
+3%
Compared to $261,996 last year
Difference from state
-4%
View source and notes...

Last update: Oct. 7, 2026, 7:29 a.m. Source: IAR Data Warehouse Data notes: - SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Sales

Closed Sales by Price

12-month rolling total
All properties, September 2026
4,944
+5%
Under $250K
2,180
-5%
At Least $250K
2,764
+15%
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All properties, September 2026
4,944
+5%
Under $250K
2,180
-5%
At Least $250K
2,764
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Supply

New Listings by Price

12-month rolling total
All properties, September 2026
7,665
+12%
Under $250K
2,966
+4%
At Least $250K
4,699
+17%
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All properties, September 2026
7,665
+12%
Under $250K
2,966
+4%
At Least $250K
4,699
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Inventory by Price

Average daily inventory in latest month
All properties, September 2026
1,470
+29%
Under $250K
509
+14%
At Least $250K
960
+39%
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All properties, September 2026
1,470
+29%
Under $250K
509
+14%
At Least $250K
960
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None SIRA (Association) includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

More for SIRA (Association) 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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