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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • SIRA • February 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
32.2%
Year-over-year change
-3%
Compared to 33.1% last year
Difference from state
-2%
Compared to 32.8% in Indiana
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February 2026
32.2%
Year-over-year change
-3%
Compared to 33.1% last year
Difference from state
-2%
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. SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
February 2026
43.2%
Year-over-year change
+15%
Compared to 37.7% last year
Difference from state
-4%
Compared to 45.2% in Indiana
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February 2026
43.2%
Year-over-year change
+15%
Compared to 37.7% last year
Difference from state
-4%
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. SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$69,432
Year-over-year change
+4%
Compared to $66,884 last year
Difference from state
-1%
Compared to $69,976 in Indiana
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January 2025
$69,432
Year-over-year change
+4%
Compared to $66,884 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. SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
February 2026
$1,864
Year-over-year change
-3%
Compared to $1,916 last year
Difference from state
-2%
Compared to $1,911 in Indiana
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February 2026
$1,864
Year-over-year change
-3%
Compared to $1,916 last year
Difference from state
-2%
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. SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Median Sale Price

3-Month Rolling Median
February 2026
$253,600
Year-over-year change
+4%
Compared to $245,000 last year
Difference from state
-2%
Compared to $259,900 in Indiana
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February 2026
$253,600
Year-over-year change
+4%
Compared to $245,000 last year
Difference from state
-2%
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: - SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Sales

Closed Sales by Price

12-month rolling total
All properties, February 2026
4,426
+6%
Under $250K
2,041
-7%
At Least $250K
2,385
+20%
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All properties, February 2026
4,426
+6%
Under $250K
2,041
-7%
At Least $250K
2,385
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Supply

New Listings by Price

12-month rolling total
All properties, February 2026
6,631
+10%
Under $250K
2,674
+2%
At Least $250K
3,957
+16%
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All properties, February 2026
6,631
+10%
Under $250K
2,674
+2%
At Least $250K
3,957
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Inventory by Price

Average daily inventory in latest month
All properties, February 2026
934
+20%
Under $250K
344
+27%
At Least $250K
589
+17%
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All properties, February 2026
934
+20%
Under $250K
344
+27%
At Least $250K
589
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None SIRA includes Clark County, Crawford County, Floyd County, Harrison County, Jefferson County, Orange County, Scott County, Washington County.

Contact

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

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