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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Franklin County • March 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
March 2026
29.2%
Year-over-year change
+27%
Compared to 23.1% last year
Difference from state
-12%
Compared to 33.1% in Indiana
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March 2026
29.2%
Year-over-year change
+27%
Compared to 23.1% last year
Difference from state
-12%
View source and notes...

Last update: April 7, 2026, 10:16 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
March 2026
42.9%
Year-over-year change
+1%
Compared to 42.6% last year
Difference from state
+3%
Compared to 41.8% in Indiana
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March 2026
42.9%
Year-over-year change
+1%
Compared to 42.6% last year
Difference from state
+3%
View source and notes...

Last update: April 7, 2026, 10:07 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
$86,150
Year-over-year change
+4%
Compared to $83,166 last year
Difference from state
+23%
Compared to $69,976 in Indiana
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January 2025
$86,150
Year-over-year change
+4%
Compared to $83,166 last year
Difference from state
+23%
View source and notes...

Last update: April 7, 2026, 10:16 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
March 2026
$2,098
Year-over-year change
+27%
Compared to $1,657 last year
Difference from state
+9%
Compared to $1,931 in Indiana
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March 2026
$2,098
Year-over-year change
+27%
Compared to $1,657 last year
Difference from state
+9%
View source and notes...

Last update: April 7, 2026, 10:07 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
March 2026
$282,450
Year-over-year change
+31%
Compared to $215,000 last year
Difference from state
+9%
Compared to $260,000 in Indiana
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March 2026
$282,450
Year-over-year change
+31%
Compared to $215,000 last year
Difference from state
+9%
View source and notes...

Last update: April 7, 2026, 10:07 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, April 2026
141
+1%
Under $250K
57
-16%
At Least $250K
85
+15%
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All properties, April 2026
141
+1%
Under $250K
57
-16%
At Least $250K
85
View source and notes...

Last update: April 7, 2026, 10:54 a.m. Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, April 2026
229
+16%
Under $250K
101
+19%
At Least $250K
128
+12%
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All properties, April 2026
229
+16%
Under $250K
101
+19%
At Least $250K
128
View source and notes...

Last update: April 7, 2026, 10:54 a.m. Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, April 2026
31
-21%
Under $250K
15
-5%
At Least $250K
16
-33%
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All properties, April 2026
31
-21%
Under $250K
15
-5%
At Least $250K
16
View source and notes...

Last update: April 7, 2026, 10:54 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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