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

Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Jefferson County • July 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
39.9%
Year-over-year change
+7%
Compared to 37.3% last year
Difference from state
-6%
Compared to 42.2% in Indiana
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July 2026
39.9%
Year-over-year change
+7%
Compared to 37.3% last year
Difference from state
-6%
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
31.2%
Year-over-year change
-21%
Compared to 39.5% last year
Difference from state
-14%
Compared to 36.1% in Indiana
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July 2026
31.2%
Year-over-year change
-21%
Compared to 39.5% last year
Difference from state
-14%
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
$64,840
Year-over-year change
+2%
Compared to $63,263 last year
Difference from state
+5%
Compared to $61,915 in Indiana
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January 2025
$64,840
Year-over-year change
+2%
Compared to $63,263 last year
Difference from state
+5%
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
$2,155
Year-over-year change
+7%
Compared to $2,014 last year
Difference from state
-1%
Compared to $2,178 in Indiana
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July 2026
$2,155
Year-over-year change
+7%
Compared to $2,014 last year
Difference from state
-1%
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
$282,000
Year-over-year change
+8%
Compared to $260,000 last year
Difference from state
-1%
Compared to $285,000 in Indiana
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July 2026
$282,000
Year-over-year change
+8%
Compared to $260,000 last year
Difference from state
-1%
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
363
+2%
Under $250K
184
-10%
At Least $250K
182
+21%
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All properties, August 2026
363
+2%
Under $250K
184
-10%
At Least $250K
182
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
535
+14%
Under $250K
216
-2%
At Least $250K
319
+28%
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All properties, August 2026
535
+14%
Under $250K
216
-2%
At Least $250K
319
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
100
+40%
Under $250K
29
-1%
At Least $250K
71
+68%
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All properties, August 2026
100
+40%
Under $250K
29
-1%
At Least $250K
71
View source and notes...

Last update: Aug. 7, 2026, midnight 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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