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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Montgomery County • June 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
June 2026
28.9%
Year-over-year change
+4%
Compared to 27.9% last year
Difference from state
-30%
Compared to 41.4% in Indiana
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June 2026
28.9%
Year-over-year change
+4%
Compared to 27.9% last year
Difference from state
-30%
View source and notes...

Last update: July 7, 2026, 4 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
June 2026
55.4%
Year-over-year change
+4%
Compared to 53.5% last year
Difference from state
+55%
Compared to 35.7% in Indiana
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June 2026
55.4%
Year-over-year change
+4%
Compared to 53.5% last year
Difference from state
+55%
View source and notes...

Last update: July 7, 2026, 3:50 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
$71,957
Year-over-year change
+4%
Compared to $68,885 last year
Difference from state
+16%
Compared to $61,915 in Indiana
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January 2025
$71,957
Year-over-year change
+4%
Compared to $68,885 last year
Difference from state
+16%
View source and notes...

Last update: July 7, 2026, 4 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
June 2026
$1,731
Year-over-year change
+4%
Compared to $1,672 last year
Difference from state
-19%
Compared to $2,135 in Indiana
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June 2026
$1,731
Year-over-year change
+4%
Compared to $1,672 last year
Difference from state
-19%
View source and notes...

Last update: July 7, 2026, 3:50 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
June 2026
$227,500
Year-over-year change
+6%
Compared to $214,250 last year
Difference from state
-19%
Compared to $280,585 in Indiana
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June 2026
$227,500
Year-over-year change
+6%
Compared to $214,250 last year
Difference from state
-19%
View source and notes...

Last update: July 7, 2026, 3:50 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, July 2026
520
+5%
Under $250K
325
-2%
At Least $250K
195
+20%
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All properties, July 2026
520
+5%
Under $250K
325
-2%
At Least $250K
195
View source and notes...

Last update: July 7, 2026, 4:38 a.m. Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, July 2026
621
+4%
Under $250K
369
+2%
At Least $250K
253
+8%
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All properties, July 2026
621
+4%
Under $250K
369
+2%
At Least $250K
253
View source and notes...

Last update: July 7, 2026, 4:38 a.m. Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, July 2026
81
+1%
Under $250K
40
+0%
At Least $250K
42
+2%
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All properties, July 2026
81
+1%
Under $250K
40
+0%
At Least $250K
42
View source and notes...

Last update: July 7, 2026, 4:38 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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