All Reports › Housing Affordability › NIRA (MLS) • September 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

Summary

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Housing Affordability • NIRA (MLS) • September 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
35.7%
Year-over-year change
+3%
Compared to 34.6% last year
Difference from state
+2%
Compared to 34.9% in Indiana
View source and notes...

Last update: Oct. 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. Income is the Median Household Income series, including its projected years. NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2026
30.0%
Year-over-year change
-15%
Compared to 35.2% last year
Difference from state
-19%
Compared to 37.0% in Indiana
View source and notes...

Last update: Oct. 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. NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Demographics

Median Household Income

Adjusted to current dollars
January 2026
$77,788
Year-over-year change
+3%
Compared to $75,751 last year
Difference from state
+3%
Compared to $75,847 in Indiana
View source and notes...

Last update: Oct. 7, 2026, midnight 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. NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
September 2026
$2,314
Year-over-year change
+6%
Compared to $2,183 last year
Difference from state
+5%
Compared to $2,209 in Indiana
View source and notes...

Last update: Oct. 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. NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Median Sale Price

3-Month Rolling Median
September 2026
$295,450
Year-over-year change
+2%
Compared to $290,000 last year
Difference from state
+5%
Compared to $282,000 in Indiana
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR Data Warehouse Data notes: - NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Sales

Closed Sales by Price

12-month rolling total
All properties, September 2026
10,517
-3%
Under $250K
4,013
-12%
At Least $250K
6,504
+3%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Supply

New Listings by Price

12-month rolling total
All properties, September 2026
14,501
-1%
Under $250K
4,939
-11%
At Least $250K
9,562
+5%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.

Inventory by Price

Average daily inventory in latest month
All properties, September 2026
2,417
-2%
Under $250K
781
-8%
At Least $250K
1,636
+1%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None NIRA (MLS) includes Jasper County, Lake County, LaPorte County, Newton County, Porter County, Pulaski County, Starke County.