All Reports Housing Affordability Clay County • August 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

 Quick Summary

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Housing AffordabilityClay CountyAugust 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
August 2026
28.4%
Year-over-year change
+19%
Compared to 23.9% last year
Difference from state
-33%
Compared to 42.6% in Indiana
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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
August 2026
61.9%
Year-over-year change
+2%
Compared to 60.6% last year
Difference from state
+68%
Compared to 36.9% in Indiana
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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$73,151
Year-over-year change
-2%
Compared to $74,824 last year
Difference from state
+18%
Compared to $61,915 in Indiana
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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Market Momentum

Price

Median Monthly Payment

For median-priced home
August 2026
$1,728
Year-over-year change
+19%
Compared to $1,457 last year
Difference from state
-21%
Compared to $2,199 in Indiana
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. Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Median Sale Price

3-Month Rolling Median
August 2026
$224,000
Year-over-year change
+18%
Compared to $190,000 last year
Difference from state
-21%
Compared to $285,000 in Indiana
View source and notes...

Last update: Sept. 8, 2026, 2:51 p.m. Source: IAR Data Warehouse Data notes: - Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Sales

Closed Sales by Price

12-month rolling total
All properties, September 2026
288
+14%
Under $250K
192
+4%
At Least $250K
98
+40%
View source and notes...

Last update: Sept. 8, 2026, 10:33 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Supply

New Listings by Price

12-month rolling total
All properties, September 2026
389
+14%
Under $250K
242
+2%
At Least $250K
149
+41%
View source and notes...

Last update: Sept. 8, 2026, 10:33 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.

Inventory by Price

Average daily inventory in latest month
All properties, September 2026
64
+9%
Under $250K
35
-5%
At Least $250K
29
+32%
View source and notes...

Last update: Sept. 8, 2026, 10:33 p.m. Source: IAR MLS Data Warehouse Data notes: None Geography notes: Listings handled by an MLS outside this county's association were previously excluded and are now counted. Figures here are higher than previously published. All history has been rebuilt on the current method, so the trend is consistent throughout.