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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Indiana • September 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
42.7%
Year-over-year change
+7%
Compared to 39.8% last year
Difference from state
+0%
Compared to 42.7% in Indiana
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September 2026
42.7%
Year-over-year change
+7%
Compared to 39.8% last year
Difference from state
+0%
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.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2026
37.1%
Year-over-year change
-7%
Compared to 39.8% last year
Difference from state
+0%
Compared to 37.1% in Indiana
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September 2026
37.1%
Year-over-year change
-7%
Compared to 39.8% last year
Difference from state
+0%
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.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$61,915
Year-over-year change
+4%
Compared to $59,581 last year
Difference from state
+0%
Compared to $61,915 in Indiana
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January 2025
$61,915
Year-over-year change
+4%
Compared to $59,581 last year
Difference from state
+0%
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.

Market Momentum

Price

Median Monthly Payment

For median-priced home
September 2026
$2,201
Year-over-year change
+7%
Compared to $2,055 last year
Difference from state
+0%
Compared to $2,201 in Indiana
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September 2026
$2,201
Year-over-year change
+7%
Compared to $2,055 last year
Difference from state
+0%
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.

Median Sale Price

3-Month Rolling Median
September 2026
$280,995
Year-over-year change
+3%
Compared to $273,000 last year
Difference from state
+0%
Compared to $280,995 in Indiana
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September 2026
$280,995
Year-over-year change
+3%
Compared to $273,000 last year
Difference from state
+0%
View source and notes...

Last update: Oct. 7, 2026, 7:29 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, September 2026
85,629
+2%
Under $250K
36,439
-5%
At Least $250K
49,190
+7%
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All properties, September 2026
85,629
+2%
Under $250K
36,439
-5%
At Least $250K
49,190
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, September 2026
111,385
+3%
Under $250K
44,944
-1%
At Least $250K
66,441
+7%
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All properties, September 2026
111,385
+3%
Under $250K
44,944
-1%
At Least $250K
66,441
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, September 2026
21,821
+12%
Under $250K
8,518
+12%
At Least $250K
13,303
+13%
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All properties, September 2026
21,821
+12%
Under $250K
8,518
+12%
At Least $250K
13,303
View source and notes...

Last update: Oct. 7, 2026, 8:22 a.m. Source: IAR MLS Data Warehouse Data notes: None

More for Indiana 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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Indiana Association of REALTORS®
143 W Market St, Ste 100
Indianapolis, IN 46204
Phone: 1.800.284.0084

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