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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • Ripley County • February 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
26.0%
Year-over-year change
-16%
Compared to 30.8% last year
Difference from state
-21%
Compared to 32.8% in Indiana
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February 2026
26.0%
Year-over-year change
-16%
Compared to 30.8% last year
Difference from state
-21%
View source and notes...

Last update: March 7, 2026, 4:23 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
February 2026
48.7%
Year-over-year change
+7%
Compared to 45.5% last year
Difference from state
+8%
Compared to 45.2% in Indiana
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February 2026
48.7%
Year-over-year change
+7%
Compared to 45.5% last year
Difference from state
+8%
View source and notes...

Last update: March 7, 2026, 4:11 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
$76,835
Year-over-year change
-0%
Compared to $76,927 last year
Difference from state
+10%
Compared to $69,976 in Indiana
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January 2025
$76,835
Year-over-year change
-0%
Compared to $76,927 last year
Difference from state
+10%
View source and notes...

Last update: March 7, 2026, 4:23 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
February 2026
$1,663
Year-over-year change
-16%
Compared to $1,975 last year
Difference from state
-13%
Compared to $1,911 in Indiana
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February 2026
$1,663
Year-over-year change
-16%
Compared to $1,975 last year
Difference from state
-13%
View source and notes...

Last update: March 7, 2026, 4:11 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
February 2026
$226,200
Year-over-year change
-10%
Compared to $252,500 last year
Difference from state
-13%
Compared to $259,900 in Indiana
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February 2026
$226,200
Year-over-year change
-10%
Compared to $252,500 last year
Difference from state
-13%
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: -

Sales

Closed Sales by Price

12-month rolling total
All properties, March 2026
210
+18%
Under $250K
109
+16%
At Least $250K
101
+11%
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All properties, March 2026
210
+18%
Under $250K
109
+16%
At Least $250K
101
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Supply

New Listings by Price

12-month rolling total
All properties, March 2026
262
+28%
Under $250K
119
+24%
At Least $250K
149
+42%
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All properties, March 2026
262
+28%
Under $250K
119
+24%
At Least $250K
149
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None

Inventory by Price

Average daily inventory in latest month
All properties, March 2026
36
+68%
Under $250K
15
-10%
At Least $250K
22
+301%
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All properties, March 2026
36
+68%
Under $250K
15
-10%
At Least $250K
22
View source and notes...

Last update: March 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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