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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Southern Indiana Realtor Association • August 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
August 2026
36.2%
Year-over-year change
+6%
Compared to 34.3% last year
Difference from state
-15%
Compared to 42.6% in Indiana
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August 2026
36.2%
Year-over-year change
+6%
Compared to 34.3% last year
Difference from state
-15%
View source and notes...

Last update: Sept. 8, 2026, 3:06 p.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. Southern Indiana Realtor 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
August 2026
33.7%
Year-over-year change
-6%
Compared to 35.9% last year
Difference from state
-9%
Compared to 36.9% in Indiana
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August 2026
33.7%
Year-over-year change
-6%
Compared to 35.9% last year
Difference from state
-9%
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.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. Southern Indiana Realtor 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
$69,876
Year-over-year change
+4%
Compared to $66,948 last year
Difference from state
+13%
Compared to $61,915 in Indiana
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January 2025
$69,876
Year-over-year change
+4%
Compared to $66,948 last year
Difference from state
+13%
View source and notes...

Last update: Sept. 8, 2026, 3:06 p.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. Southern Indiana Realtor 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
August 2026
$2,106
Year-over-year change
+6%
Compared to $1,996 last year
Difference from state
-4%
Compared to $2,199 in Indiana
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August 2026
$2,106
Year-over-year change
+6%
Compared to $1,996 last year
Difference from state
-4%
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.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. Southern Indiana Realtor 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
August 2026
$273,000
Year-over-year change
+5%
Compared to $260,250 last year
Difference from state
-4%
Compared to $285,000 in Indiana
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August 2026
$273,000
Year-over-year change
+5%
Compared to $260,250 last year
Difference from state
-4%
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.m. Source: IAR Data Warehouse Data notes: - Southern Indiana Realtor 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, August 2026
4,858
+1%
Under $250K
2,171
-6%
At Least $250K
2,687
+9%
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All properties, August 2026
4,858
+1%
Under $250K
2,171
-6%
At Least $250K
2,687
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Southern Indiana Realtor 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, August 2026
7,527
+10%
Under $250K
2,954
+2%
At Least $250K
4,573
+15%
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All properties, August 2026
7,527
+10%
Under $250K
2,954
+2%
At Least $250K
4,573
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Southern Indiana Realtor 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, August 2026
1,287
+28%
Under $250K
447
+17%
At Least $250K
840
+35%
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All properties, August 2026
1,287
+28%
Under $250K
447
+17%
At Least $250K
840
View source and notes...

Last update: Sept. 9, 2026, 8:35 p.m. Source: IAR MLS Data Warehouse Data notes: None Southern Indiana Realtor Association includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

More for Southern Indiana Realtor 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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143 W Market St, Ste 100
Indianapolis, IN 46204
Phone: 1.800.284.0084

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