Indiana Housing Affordability Index

Daily affordability score for Indiana compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Indiana

124.3

Highly Affordable

MBR-HAI • April 11, 2026

-0 vs. prior day

National Average

100.6

Near National Average

MBR-HAI • April 11, 2026

0 vs. prior day

National Rank #5 of 42 states

vs. National Average +23.7 points

30-yr Rate Used 6.687%

Median Home Value $218,200

Median Household Income $71,957

View all state rankings →

Indiana Affordability Ranking

#5 of 42 states — April 11, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 37 of 42 states (88%)

Less affordable than: 4 of 42 states (10%)

MBR-HAI Score: 124.3 vs. national 100.6 (+23.7 points)

Nearby States

↑ 2 more affordable states above

#3 AL 129.9

#4 IA 129.6

#5 Indiana ◀ 124.3

#6 KS 123.1

#7 KY 119.6

↓ 35 less affordable states below

Top 5 Most Affordable

#1 WV 136.1

#2 AR 131.2

#3 AL 129.9

#4 IA 129.6

#5 IN ◀ 124.3

Bottom 5 Least Affordable

#38 NJ 91.6

#39 NY 89.1

#40 OR 88.9

#41 MA 87.2

#42 CA 81.5

View full 51-state rankings →

Indiana MBR-HAI — 90-Day Trend

Indiana

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Indiana

$218,200

Median Home Value

U.S. median: varies by state

$71,957

Median Household Income

U.S. median: $80,734

3.0x

Price-to-Income Ratio

Home value ÷ income

$1,050/mo

Median Owner Costs

17.5% of income annually

$1,692/yr

Median Property Tax

0.78% effective rate

69.7%

Homeownership Rate

U.S. average: 65.7%

20.1%

Owner Cost Burden

% spending 30%+ of income on housing

6.687%

30-yr Mortgage Rate

State average • April 11, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Indiana Ranks Among All States

#5

of 42 states

Least Affordable Most Affordable

Indiana is more affordable than 90% of U.S. states — Highly Affordable

124.3

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 1 state →
2	Arkansas	131.2	Highly Affordable
3	Alabama	129.9	Highly Affordable
4	Iowa	129.6	Highly Affordable
5	Indiana You are here	124.3	Highly Affordable
6	Kansas	123.1	Highly Affordable
7	Kentucky	119.6	More Affordable Than Avg
8	Oklahoma	119.5	More Affordable Than Avg
▼ See all 42 state rankings →

Showing states ranked near Indiana — April 11, 2026 • View complete national rankings →

Download Indiana HAI Data

Indiana History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-13,IN,124.3,100.6,6.687                

Download IN History (CSV)

All 51 States (CSV)

Compare Indiana to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Indiana ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Indiana Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Indiana.