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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Jefferson County • March 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
March 2026
34.4%
Year-over-year change
+4%
Compared to 32.9% last year
Difference from state
+4%
Compared to 33.1% in Indiana
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March 2026
34.4%
Year-over-year change
+4%
Compared to 32.9% last year
Difference from state
+4%
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
40.3%
Year-over-year change
-12%
Compared to 45.6% last year
Difference from state
-3%
Compared to 41.8% in Indiana
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March 2026
40.3%
Year-over-year change
-12%
Compared to 45.6% 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
$64,840
Year-over-year change
+2%
Compared to $63,263 last year
Difference from state
-7%
Compared to $69,976 in Indiana
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January 2025
$64,840
Year-over-year change
+2%
Compared to $63,263 last year
Difference from state
-7%
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
$1,857
Year-over-year change
+4%
Compared to $1,780 last year
Difference from state
-4%
Compared to $1,931 in Indiana
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March 2026
$1,857
Year-over-year change
+4%
Compared to $1,780 last year
Difference from state
-4%
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
$250,000
Year-over-year change
+8%
Compared to $231,000 last year
Difference from state
-4%
Compared to $260,000 in Indiana
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March 2026
$250,000
Year-over-year change
+8%
Compared to $231,000 last year
Difference from state
-4%
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, March 2026
333
+17%
Under $250K
172
-2%
At Least $250K
165
+50%
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All properties, March 2026
333
+17%
Under $250K
172
-2%
At Least $250K
165
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
461
+14%
Under $250K
209
+7%
At Least $250K
252
+21%
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All properties, April 2026
461
+14%
Under $250K
209
+7%
At Least $250K
252
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
76
+76%
Under $250K
28
+57%
At Least $250K
48
+90%
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All properties, April 2026
76
+76%
Under $250K
28
+57%
At Least $250K
48
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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