Housing affordability index in Indiana

Housing affordability index in Indiana: puts one number on the housing question: 17.1% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

17.1%

principal + interest

Monthly payment

$980

on a $188,738 home

Median income

$68,679

households, ACS 5-year

Housing affordability index in Indiana: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Monroe County24.9%$1,250
2Tippecanoe County22.3%$1,035
3Boone County19.4%$1,662
4Marion County19.3%$956
5Brown County19.2%$1,182
6Hamilton County19%$1,823
7Lake County18.3%$1,013
8Porter County18.2%$1,259
9Jefferson County18.1%$873
10Johnson County18.1%$1,250
11Ohio County17.8%$985
12Elkhart County17.7%$944
13Floyd County17.7%$1,116
14Harrison County17.7%$1,054
15Clark County17.6%$1,013
16LaGrange County17.6%$1,196
17Scott County17.3%$713
18Hancock County17.2%$1,223
19Vanderburgh County17.2%$846
20Steuben County17%$974
21Daviess County16.9%$904
22Dubois County16.9%$971
23Hendricks County16.9%$1,339
24Ripley County16.7%$979
25St. Joseph County16.7%$861
26Adams County16.6%$854
27Posey County16.6%$1,043
28Franklin County16.5%$1,042
29Dearborn County16.4%$1,095
30Allen County16.3%$902
31Owen County16.3%$786
32Washington County16.2%$822
33Kosciusko County16.1%$952
34Marshall County16.1%$887
35Whitley County16.1%$986
36Bartholomew County16%$1,026
37Shelby County15.9%$883
38Morgan County15.8%$1,042
39Spencer County15.8%$874
40Carroll County15.5%$794
41Gibson County15.5%$829
42LaPorte County15.5%$863
43Montgomery County15.5%$812
44Putnam County15.5%$912
45Vigo County15.4%$677
46Jackson County15.3%$838
47Jasper County15.3%$991
48Decatur County15.2%$906
49Switzerland County15.2%$841
50Starke County15.1%$756
51Noble County14.9%$873
52Warrick County14.8%$1,120
53Wells County14.8%$838
54Clinton County14.7%$728
55Rush County14.7%$765
56White County14.6%$796
57Newton County14.5%$768
58Perry County14.5%$710
59DeKalb County14.4%$819
60Howard County14.4%$743
61Pulaski County14.4%$683
62Fulton County14.3%$745
63Lawrence County14.2%$762
64Crawford County14.1%$548
65Delaware County14.1%$626
66Madison County14%$702
67Huntington County13.9%$696
68Martin County13.6%$740
69Union County13.6%$777
70Wayne County13.6%$620
71Henry County13.5%$649
72Sullivan County13.2%$598
73Knox County13.1%$634
74Tipton County13.1%$783
75Benton County13%$637
76Warren County13%$786
77Grant County12.8%$568
78Orange County12.8%$650
79Wabash County12.8%$705
80Fountain County12.7%$641
81Greene County12.6%$605
82Jennings County12.4%$692
83Cass County12.3%$574
84Pike County12.3%$660
85Jay County12.1%$527
86Clay County11.9%$675
87Parke County11.9%$631
88Fayette County11.8%$515
89Miami County11.8%$586
90Blackford County11%$469
91Vermillion County10.4%$516
92Randolph County10.2%$507

Methodology

Every county figure for Indiana uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.