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Housing Affordability

Home price and typical payment compared to income

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Housing Affordability • SIRA • July 2026

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Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
July 2026
36.1%
Year-over-year change
+2%
Compared to 35.5% last year
Difference from state
-14%
Compared to 42.2% in Indiana
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July 2026
36.1%
Year-over-year change
+2%
Compared to 35.5% last year
Difference from state
-14%
View source and notes...

Last update: Aug. 7, 2026, midnight 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
July 2026
33.5%
Year-over-year change
-7%
Compared to 36.1% last year
Difference from state
-7%
Compared to 36.1% in Indiana
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July 2026
33.5%
Year-over-year change
-7%
Compared to 36.1% last year
Difference from state
-7%
View source and notes...

Last update: Aug. 7, 2026, midnight 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
+12%
Compared to $61,915 in Indiana
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January 2025
$69,432
Year-over-year change
+4%
Compared to $66,884 last year
Difference from state
+12%
View source and notes...

Last update: Aug. 7, 2026, midnight 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
July 2026
$2,091
Year-over-year change
+2%
Compared to $2,052 last year
Difference from state
-4%
Compared to $2,178 in Indiana
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July 2026
$2,091
Year-over-year change
+2%
Compared to $2,052 last year
Difference from state
-4%
View source and notes...

Last update: Aug. 7, 2026, midnight 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
July 2026
$273,700
Year-over-year change
+3%
Compared to $264,900 last year
Difference from state
-4%
Compared to $285,000 in Indiana
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July 2026
$273,700
Year-over-year change
+3%
Compared to $264,900 last year
Difference from state
-4%
View source and notes...

Last update: Aug. 7, 2026, midnight 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, July 2026
4,925
+6%
Under $250K
2,221
-3%
At Least $250K
2,704
+15%
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All properties, July 2026
4,925
+6%
Under $250K
2,221
-3%
At Least $250K
2,704
View source and notes...

Last update: Aug. 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, July 2026
7,514
+9%
Under $250K
2,958
+2%
At Least $250K
4,556
+15%
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All properties, July 2026
7,514
+9%
Under $250K
2,958
+2%
At Least $250K
4,556
View source and notes...

Last update: Aug. 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, July 2026
1,147
+25%
Under $250K
389
+9%
At Least $250K
758
+35%
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All properties, July 2026
1,147
+25%
Under $250K
389
+9%
At Least $250K
758
View source and notes...

Last update: Aug. 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.

More for SIRA All metrics

Inventory In Monthly Market Report New Listings In Monthly Market Report Closed Sales by Construction In Detailed Market Overview Closed Sales by Property Type In Detailed Market Overview

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