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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • North Central • February 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
28.7%
Year-over-year change
-3%
Compared to 29.4% last year
Difference from state
-12%
Compared to 32.8% in Indiana
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February 2026
28.7%
Year-over-year change
-3%
Compared to 29.4% last year
Difference from state
-12%
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. North Central includes Fulton County, Marshall County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
February 2026
62.9%
Year-over-year change
-5%
Compared to 66.4% last year
Difference from state
+39%
Compared to 45.2% in Indiana
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February 2026
62.9%
Year-over-year change
-5%
Compared to 66.4% last year
Difference from state
+39%
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. North Central includes Fulton County, Marshall County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$70,756
Year-over-year change
+0%
Compared to $70,409 last year
Difference from state
+1%
Compared to $69,976 in Indiana
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January 2025
$70,756
Year-over-year change
+0%
Compared to $70,409 last year
Difference from state
+1%
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. North Central includes Fulton County, Marshall County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
February 2026
$1,691
Year-over-year change
-3%
Compared to $1,736 last year
Difference from state
-12%
Compared to $1,911 in Indiana
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February 2026
$1,691
Year-over-year change
-3%
Compared to $1,736 last year
Difference from state
-12%
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. North Central includes Fulton County, Marshall County.

Median Sale Price

3-Month Rolling Median
February 2026
$230,000
Year-over-year change
+4%
Compared to $222,000 last year
Difference from state
-12%
Compared to $259,900 in Indiana
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February 2026
$230,000
Year-over-year change
+4%
Compared to $222,000 last year
Difference from state
-12%
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: - North Central includes Fulton County, Marshall County.

Sales

Closed Sales by Price

12-month rolling total
All properties, February 2026
561
+1%
Under $250K
340
-0%
At Least $250K
221
+3%
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All properties, February 2026
561
+1%
Under $250K
340
-0%
At Least $250K
221
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None North Central includes Fulton County, Marshall County.

Supply

New Listings by Price

12-month rolling total
All properties, February 2026
761
+18%
Under $250K
380
+3%
At Least $250K
381
+38%
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All properties, February 2026
761
+18%
Under $250K
380
+3%
At Least $250K
381
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None North Central includes Fulton County, Marshall County.

Inventory by Price

Average daily inventory in latest month
All properties, February 2026
141
+16%
Under $250K
55
-3%
At Least $250K
86
+32%
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All properties, February 2026
141
+16%
Under $250K
55
-3%
At Least $250K
86
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None North Central includes Fulton County, Marshall County.

Contact

Indiana Association of REALTORS®
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Indianapolis, IN 46204
Phone: 1.800.284.0084

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