All Reports › Housing Affordability › Carroll County • September 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

Summary

Generating summary...

Housing Affordability • Carroll County • September 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
33.1%
Year-over-year change
-9%
Compared to 36.6% last year
Difference from state
-5%
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.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
September 2026
48.9%
Year-over-year change
+13%
Compared to 43.2% last year
Difference from state
+32%
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.

Demographics

Median Household Income

Adjusted to current dollars
January 2026
$70,406
Year-over-year change
+2%
Compared to $69,192 last year
Difference from state
-7%
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.

Market Momentum

Price

Median Monthly Payment

For median-priced home
September 2026
$1,942
Year-over-year change
-8%
Compared to $2,108 last year
Difference from state
-12%
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.

Median Sale Price

3-Month Rolling Median
September 2026
$248,000
Year-over-year change
-11%
Compared to $280,000 last year
Difference from state
-12%
Compared to $282,000 in Indiana
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, October 2026
220
-2%
Under $250K
119
+7%
At Least $250K
101
-6%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, October 2026
281
-2%
Under $250K
134
-2%
At Least $250K
147
-4%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, October 2026
69
+10%
Under $250K
26
-7%
At Least $250K
43
+23%
View source and notes...

Last update: Oct. 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None