All Reports › Housing Affordability › Floyd County • July 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Floyd County • July 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
41.3%
Year-over-year change
+6%
Compared to 39.1% last year
Difference from state
-2%
Compared to 42.3% in Indiana
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July 2026
41.3%
Year-over-year change
+6%
Compared to 39.1% last year
Difference from state
-2%
View source and notes...

Last update: Aug. 7, 2026, 4:05 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
July 2026
30.1%
Year-over-year change
-2%
Compared to 30.6% last year
Difference from state
-17%
Compared to 36.4% in Indiana
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July 2026
30.1%
Year-over-year change
-2%
Compared to 30.6% last year
Difference from state
-17%
View source and notes...

Last update: Aug. 7, 2026, 3:56 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
$69,929
Year-over-year change
+3%
Compared to $67,572 last year
Difference from state
+13%
Compared to $61,915 in Indiana
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January 2025
$69,929
Year-over-year change
+3%
Compared to $67,572 last year
Difference from state
+13%
View source and notes...

Last update: Aug. 7, 2026, 4:05 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
July 2026
$2,409
Year-over-year change
+6%
Compared to $2,279 last year
Difference from state
+10%
Compared to $2,183 in Indiana
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July 2026
$2,409
Year-over-year change
+6%
Compared to $2,279 last year
Difference from state
+10%
View source and notes...

Last update: Aug. 7, 2026, 3:56 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
July 2026
$315,272
Year-over-year change
+7%
Compared to $294,200 last year
Difference from state
+10%
Compared to $285,700 in Indiana
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July 2026
$315,272
Year-over-year change
+7%
Compared to $294,200 last year
Difference from state
+10%
View source and notes...

Last update: Aug. 7, 2026, 3:56 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, August 2026
1,132
+1%
Under $250K
399
-15%
At Least $250K
735
+13%
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All properties, August 2026
1,132
+1%
Under $250K
399
-15%
At Least $250K
735
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, August 2026
1,674
+6%
Under $250K
562
-1%
At Least $250K
1,117
+10%
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All properties, August 2026
1,674
+6%
Under $250K
562
-1%
At Least $250K
1,117
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, August 2026
247
+36%
Under $250K
72
+40%
At Least $250K
175
+34%
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All properties, August 2026
247
+36%
Under $250K
72
+40%
At Least $250K
175
View source and notes...

Last update: Aug. 7, 2026, 4:44 a.m. 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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