Housing Affordability

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price

July 2026

31.3%

Year-over-year change

+1%

Compared to 30.9% last year

Difference from state

-26%

Compared to 42.2% in Indiana

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July 2026

31.3%

Year-over-year change

+1%

Compared to 30.9% last year

Difference from state

-26%

View source and notes...

Last update: Aug. 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.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K

July 2026

63.4%

Year-over-year change

-6%

Compared to 67.3% last year

Difference from state

+76%

Compared to 36.1% in Indiana

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July 2026

63.4%

Year-over-year change

-6%

Compared to 67.3% last year

Difference from state

+76%

View source and notes...

Last update: Aug. 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.

Demographics

Median Household Income

Adjusted to current dollars

January 2025

$57,180

Year-over-year change

+4%

Compared to $55,059 last year

Difference from state

-8%

Compared to $61,915 in Indiana

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January 2025

$57,180

Year-over-year change

+4%

Compared to $55,059 last year

Difference from state

-8%

View source and notes...

Last update: Aug. 7, 2026, midnight 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

$1,494

Year-over-year change

+1%

Compared to $1,472 last year

Difference from state

-31%

Compared to $2,178 in Indiana

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July 2026

$1,494

Year-over-year change

+1%

Compared to $1,472 last year

Difference from state

-31%

View source and notes...

Last update: Aug. 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.

Median Sale Price

3-Month Rolling Median

July 2026

$195,500

Year-over-year change

+3%

Compared to $190,000 last year

Difference from state

-31%

Compared to $285,000 in Indiana

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July 2026

$195,500

Year-over-year change

+3%

Compared to $190,000 last year

Difference from state

-31%

View source and notes...

Last update: Aug. 7, 2026, midnight Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total

All properties, August 2026

1,239

-3%

Under $250K

857

-9%

At Least $250K

382

+12%

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All properties, August 2026

1,239

-3%

Under $250K

857

-9%

At Least $250K

382

View source and notes...

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

Supply

New Listings by Price

12-month rolling total

All properties, August 2026

1,617

-0%

Under $250K

1,101

-2%

At Least $250K

517

+4%

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All properties, August 2026

1,617

-0%

Under $250K

1,101

-2%

At Least $250K

517

View source and notes...

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

Inventory by Price

Average daily inventory in latest month

All properties, August 2026

297

+21%

Under $250K

185

+15%

At Least $250K

112

+32%

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All properties, August 2026

297

+21%

Under $250K

185

+15%

At Least $250K

112

View source and notes...

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

More for Howard County All metrics

Inventory In Monthly Market Report New Listings In Monthly Market Report Closed Sales by Construction In Detailed Market Overview Closed Sales by Property Type In Detailed Market Overview

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K

Demographics

Median Household Income

Adjusted to current dollars

Market Momentum

Price

Median Monthly Payment

For median-priced home

Median Sale Price

3-Month Rolling Median

Sales

Closed Sales by Price

12-month rolling total

Supply

New Listings by Price

12-month rolling total

Inventory by Price

Average daily inventory in latest month

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