All Reports Housing Affordability Muncie MSA • February 2026 • All

Housing Affordability

Home price and typical payment compared to income

 Quick Summary

Generating summary...

Housing AffordabilityMuncie MSAFebruary 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
18.9%
Year-over-year change
-8%
Compared to 20.5% last year
Difference from state
-42%
Compared to 32.8% in Indiana
View source and notes...

Last update: March 7, 2026, 4:23 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. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
February 2026
75.4%
Year-over-year change
+5%
Compared to 72.0% last year
Difference from state
+67%
Compared to 45.2% in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 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: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$77,155
Year-over-year change
+10%
Compared to $69,987 last year
Difference from state
+10%
Compared to $69,976 in Indiana
View source and notes...

Last update: March 7, 2026, 4:23 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. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
February 2026
$1,213
Year-over-year change
-8%
Compared to $1,321 last year
Difference from state
-37%
Compared to $1,911 in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 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: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Median Sale Price

3-Month Rolling Median
February 2026
$165,000
Year-over-year change
-2%
Compared to $168,950 last year
Difference from state
-37%
Compared to $259,900 in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: - Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Sales

Closed Sales by Price

12-month rolling total
All properties, February 2026
1,049
-5%
Under $250K
787
-7%
At Least $250K
262
+1%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Supply

New Listings by Price

12-month rolling total
All properties, February 2026
1,328
+3%
Under $250K
951
+1%
At Least $250K
377
+8%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.

Inventory by Price

Average daily inventory in latest month
All properties, February 2026
192
+19%
Under $250K
125
+9%
At Least $250K
67
+45%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Muncie MSA includes Delaware County.