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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • St. Joseph County • June 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
June 2026
38.8%
Year-over-year change
+6%
Compared to 36.6% last year
Difference from state
-6%
Compared to 41.4% in Indiana
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June 2026
38.8%
Year-over-year change
+6%
Compared to 36.6% last year
Difference from state
-6%
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
43.4%
Year-over-year change
-4%
Compared to 45.3% last year
Difference from state
+22%
Compared to 35.7% in Indiana
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June 2026
43.4%
Year-over-year change
-4%
Compared to 45.3% last year
Difference from state
+22%
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
$58,828
Year-over-year change
+4%
Compared to $56,431 last year
Difference from state
-5%
Compared to $61,915 in Indiana
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January 2025
$58,828
Year-over-year change
+4%
Compared to $56,431 last year
Difference from state
-5%
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
$1,903
Year-over-year change
+6%
Compared to $1,795 last year
Difference from state
-11%
Compared to $2,135 in Indiana
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June 2026
$1,903
Year-over-year change
+6%
Compared to $1,795 last year
Difference from state
-11%
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
$250,000
Year-over-year change
+9%
Compared to $230,000 last year
Difference from state
-11%
Compared to $280,585 in Indiana
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June 2026
$250,000
Year-over-year change
+9%
Compared to $230,000 last year
Difference from state
-11%
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
3,345
-2%
Under $250K
1,741
-10%
At Least $250K
1,604
+8%
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All properties, July 2026
3,345
-2%
Under $250K
1,741
-10%
At Least $250K
1,604
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
4,223
-1%
Under $250K
2,067
-10%
At Least $250K
2,166
+11%
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All properties, July 2026
4,223
-1%
Under $250K
2,067
-10%
At Least $250K
2,166
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
605
+18%
Under $250K
223
+8%
At Least $250K
382
+25%
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All properties, July 2026
605
+18%
Under $250K
223
+8%
At Least $250K
382
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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