All Reports Housing Affordability Muncie MSA • July 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

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Housing AffordabilityMuncie MSAJuly 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
25.9%
Year-over-year change
+8%
Compared to 23.9% last year
Difference from state
-39%
Compared to 42.3% in Indiana
View source and notes...

Last update: Aug. 7, 2026, 4:05 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
July 2026
63.3%
Year-over-year change
-4%
Compared to 66.2% last year
Difference from state
+74%
Compared to 36.4% in Indiana
View source and notes...

Last update: Aug. 7, 2026, 3:56 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
$68,178
Year-over-year change
+4%
Compared to $65,719 last year
Difference from state
+10%
Compared to $61,915 in Indiana
View source and notes...

Last update: Aug. 7, 2026, 4:05 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
July 2026
$1,471
Year-over-year change
+8%
Compared to $1,356 last year
Difference from state
-33%
Compared to $2,183 in Indiana
View source and notes...

Last update: Aug. 7, 2026, 3:56 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
July 2026
$192,500
Year-over-year change
+10%
Compared to $175,000 last year
Difference from state
-33%
Compared to $285,700 in Indiana
View source and notes...

Last update: Aug. 7, 2026, 3:56 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, July 2026
1,066
+1%
Under $250K
764
-4%
At Least $250K
302
+17%
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. 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, July 2026
1,380
+6%
Under $250K
945
+0%
At Least $250K
435
+22%
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. 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, July 2026
222
+19%
Under $250K
141
+19%
At Least $250K
81
+19%
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. 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.