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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Floyd County • February 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
30.3%
Year-over-year change
-5%
Compared to 32.0% last year
Difference from state
-7%
Compared to 32.8% in Indiana
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February 2026
30.3%
Year-over-year change
-5%
Compared to 32.0% last year
Difference from state
-7%
View source and notes...

Last update: March 7, 2026, 4:23 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
February 2026
39.7%
Year-over-year change
+11%
Compared to 35.8% last year
Difference from state
-12%
Compared to 45.2% in Indiana
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February 2026
39.7%
Year-over-year change
+11%
Compared to 35.8% last year
Difference from state
-12%
View source and notes...

Last update: March 7, 2026, 4:11 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
$79,165
Year-over-year change
+11%
Compared to $71,343 last year
Difference from state
+13%
Compared to $69,976 in Indiana
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January 2025
$79,165
Year-over-year change
+11%
Compared to $71,343 last year
Difference from state
+13%
View source and notes...

Last update: March 7, 2026, 4:23 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
February 2026
$2,001
Year-over-year change
-5%
Compared to $2,111 last year
Difference from state
+5%
Compared to $1,911 in Indiana
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February 2026
$2,001
Year-over-year change
-5%
Compared to $2,111 last year
Difference from state
+5%
View source and notes...

Last update: March 7, 2026, 4:11 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
February 2026
$272,250
Year-over-year change
+1%
Compared to $270,000 last year
Difference from state
+5%
Compared to $259,900 in Indiana
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February 2026
$272,250
Year-over-year change
+1%
Compared to $270,000 last year
Difference from state
+5%
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, March 2026
1,143
+10%
Under $250K
444
+0%
At Least $250K
700
+16%
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All properties, March 2026
1,143
+10%
Under $250K
444
+0%
At Least $250K
700
View source and notes...

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

Supply

New Listings by Price

12-month rolling total
All properties, March 2026
1,599
+6%
Under $250K
571
-3%
At Least $250K
1,028
+12%
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All properties, March 2026
1,599
+6%
Under $250K
571
-3%
At Least $250K
1,028
View source and notes...

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

Inventory by Price

Average daily inventory in latest month
All properties, March 2026
124
+2%
Under $250K
44
+18%
At Least $250K
80
-5%
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All properties, March 2026
124
+2%
Under $250K
44
+18%
At Least $250K
80
View source and notes...

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

Contact

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

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