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

Housing Affordability

Home price and typical payment compared to income

Summary

Generating summary...

Housing Affordability • Fayette County • September 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
September 2026
23.2%
Year-over-year change
+6%
Compared to 21.8% last year
Difference from state
-34%
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. 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
September 2026
73.4%
Year-over-year change
-10%
Compared to 81.4% last year
Difference from state
+98%
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. 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 2026
$63,623
Year-over-year change
+4%
Compared to $61,253 last year
Difference from state
-16%
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. 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
September 2026
$1,232
Year-over-year change
+11%
Compared to $1,114 last year
Difference from state
-44%
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. 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
September 2026
$157,250
Year-over-year change
+6%
Compared to $148,000 last year
Difference from state
-44%
Compared to $282,000 in Indiana
View source and notes...

Last update: Oct. 7, 2026, midnight 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, October 2026
261
-4%
Under $250K
218
-10%
At Least $250K
43
+72%
View source and notes...

Last update: Oct. 7, 2026, midnight 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, October 2026
395
-3%
Under $250K
310
-6%
At Least $250K
85
+9%
View source and notes...

Last update: Oct. 7, 2026, midnight 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, October 2026
96
+10%
Under $250K
72
+17%
At Least $250K
24
-6%
View source and notes...

Last update: Oct. 7, 2026, midnight 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.