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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • East Central • February 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
25.0%
Year-over-year change
+0%
Compared to 25.0% last year
Difference from state
-24%
Compared to 32.8% in Indiana
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February 2026
25.0%
Year-over-year change
+0%
Compared to 25.0% last year
Difference from state
-24%
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. East Central includes Fayette County, Franklin County, Rush County, Union County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
February 2026
71.8%
Year-over-year change
+5%
Compared to 68.3% last year
Difference from state
+59%
Compared to 45.2% in Indiana
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February 2026
71.8%
Year-over-year change
+5%
Compared to 68.3% last year
Difference from state
+59%
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. East Central includes Fayette County, Franklin County, Rush County, Union County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$75,732
Year-over-year change
+7%
Compared to $70,897 last year
Difference from state
+8%
Compared to $69,976 in Indiana
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January 2025
$75,732
Year-over-year change
+7%
Compared to $70,897 last year
Difference from state
+8%
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. East Central includes Fayette County, Franklin County, Rush County, Union County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
February 2026
$1,580
Year-over-year change
+0%
Compared to $1,580 last year
Difference from state
-17%
Compared to $1,911 in Indiana
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February 2026
$1,580
Year-over-year change
+0%
Compared to $1,580 last year
Difference from state
-17%
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. East Central includes Fayette County, Franklin County, Rush County, Union County.

Median Sale Price

3-Month Rolling Median
February 2026
$215,000
Year-over-year change
+6%
Compared to $202,000 last year
Difference from state
-17%
Compared to $259,900 in Indiana
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February 2026
$215,000
Year-over-year change
+6%
Compared to $202,000 last year
Difference from state
-17%
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: - East Central includes Fayette County, Franklin County, Rush County, Union County.

Sales

Closed Sales by Price

12-month rolling total
All properties, February 2026
370
-10%
Under $250K
237
-23%
At Least $250K
133
+29%
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All properties, February 2026
370
-10%
Under $250K
237
-23%
At Least $250K
133
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None East Central includes Fayette County, Franklin County, Rush County, Union County.

Supply

New Listings by Price

12-month rolling total
All properties, February 2026
558
+7%
Under $250K
339
-7%
At Least $250K
219
+38%
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All properties, February 2026
558
+7%
Under $250K
339
-7%
At Least $250K
219
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None East Central includes Fayette County, Franklin County, Rush County, Union County.

Inventory by Price

Average daily inventory in latest month
All properties, February 2026
113
+12%
Under $250K
76
+21%
At Least $250K
38
-2%
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All properties, February 2026
113
+12%
Under $250K
76
+21%
At Least $250K
38
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None East Central includes Fayette County, Franklin County, Rush County, Union County.

Contact

Indiana Association of REALTORS®
143 W Market St, Ste 100
Indianapolis, IN 46204
Phone: 1.800.284.0084

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