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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Montgomery County • July 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
29.3%
Year-over-year change
+1%
Compared to 29.1% last year
Difference from state
-31%
Compared to 42.2% in Indiana
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July 2026
29.3%
Year-over-year change
+1%
Compared to 29.1% last year
Difference from state
-31%
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
60.1%
Year-over-year change
+25%
Compared to 48.0% last year
Difference from state
+66%
Compared to 36.1% in Indiana
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July 2026
60.1%
Year-over-year change
+25%
Compared to 48.0% last year
Difference from state
+66%
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
$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: 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
$1,757
Year-over-year change
+1%
Compared to $1,743 last year
Difference from state
-19%
Compared to $2,178 in Indiana
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July 2026
$1,757
Year-over-year change
+1%
Compared to $1,743 last year
Difference from state
-19%
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
$230,000
Year-over-year change
+2%
Compared to $225,000 last year
Difference from state
-19%
Compared to $285,000 in Indiana
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July 2026
$230,000
Year-over-year change
+2%
Compared to $225,000 last year
Difference from state
-19%
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
576
+7%
Under $250K
364
+2%
At Least $250K
212
+18%
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All properties, August 2026
576
+7%
Under $250K
364
+2%
At Least $250K
212
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
682
+4%
Under $250K
417
+4%
At Least $250K
266
+3%
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All properties, August 2026
682
+4%
Under $250K
417
+4%
At Least $250K
266
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
101
+8%
Under $250K
52
+13%
At Least $250K
49
+4%
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All properties, August 2026
101
+8%
Under $250K
52
+13%
At Least $250K
49
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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