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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Miami County • July 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
24.4%
Year-over-year change
+5%
Compared to 23.4% last year
Difference from state
-42%
Compared to 42.2% in Indiana
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July 2026
24.4%
Year-over-year change
+5%
Compared to 23.4% last year
Difference from state
-42%
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
77.3%
Year-over-year change
+2%
Compared to 75.9% last year
Difference from state
+114%
Compared to 36.1% in Indiana
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July 2026
77.3%
Year-over-year change
+2%
Compared to 75.9% last year
Difference from state
+114%
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
$66,075
Year-over-year change
+1%
Compared to $65,179 last year
Difference from state
+7%
Compared to $61,915 in Indiana
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January 2025
$66,075
Year-over-year change
+1%
Compared to $65,179 last year
Difference from state
+7%
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
$1,345
Year-over-year change
+5%
Compared to $1,286 last year
Difference from state
-38%
Compared to $2,178 in Indiana
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July 2026
$1,345
Year-over-year change
+5%
Compared to $1,286 last year
Difference from state
-38%
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
$176,000
Year-over-year change
+6%
Compared to $166,000 last year
Difference from state
-38%
Compared to $285,000 in Indiana
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July 2026
$176,000
Year-over-year change
+6%
Compared to $166,000 last year
Difference from state
-38%
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
302
+4%
Under $250K
231
+0%
At Least $250K
71
+29%
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All properties, August 2026
302
+4%
Under $250K
231
+0%
At Least $250K
71
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
391
+8%
Under $250K
293
+4%
At Least $250K
98
+20%
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All properties, August 2026
391
+8%
Under $250K
293
+4%
At Least $250K
98
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
94
+26%
Under $250K
68
+20%
At Least $250K
26
+45%
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All properties, August 2026
94
+26%
Under $250K
68
+20%
At Least $250K
26
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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