All Reports › Housing Affordability › Hamilton County • October 2026 • All Residential

Housing Affordability

Home price and typical payment compared to income

Summary

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Housing Affordability • Hamilton County • October 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
October 2026
34.4%
Year-over-year change
+10%
Compared to 31.2% last year
Difference from state
-3%
Compared to 35.6% in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:53 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. Income is the Median Household Income series, including its projected years.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
October 2026
3.3%
Year-over-year change
-13%
Compared to 3.8% last year
Difference from state
-91%
Compared to 36.2% in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 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 2026
$131,002
Year-over-year change
+4%
Compared to $126,262 last year
Difference from state
+73%
Compared to $75,847 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:53 a.m. 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.

Market Momentum

Price

Median Monthly Payment

For median-priced home
October 2026
$3,751
Year-over-year change
+14%
Compared to $3,287 last year
Difference from state
+67%
Compared to $2,250 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 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
October 2026
$462,250
Year-over-year change
+5%
Compared to $440,000 last year
Difference from state
+67%
Compared to $277,250 in Indiana
View source and notes...

Last update: Nov. 7, 2026, 8:39 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, November 2026
6,586
+2%
Under $250K
250
-9%
At Least $250K
6,339
+3%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, November 2026
7,377
+1%
Under $250K
256
-1%
At Least $250K
7,121
+2%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, November 2026
1,289
+18%
Under $250K
71
+62%
At Least $250K
1,218
+16%
View source and notes...

Last update: Nov. 7, 2026, 9:42 a.m. Source: IAR MLS Data Warehouse Data notes: None