Indiana Housing Affordability Index
Indiana’s MBR Housing Affordability Index score is 123.2 (Highly Affordable) as of October 14, 2026, ranking 7th most affordable of 51 states, compared with a national score of 97.1. On a median-priced $218,200 home in Indiana with 20% down, the current 7.51% 30-year fixed rate means a monthly principal and interest payment of about $1,222, or 20% of the state’s $71,957 median household income.
Daily MBR Housing Affordability Index (MBR-HAI) 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. A score of 100 equals the national average; higher scores mean homeownership is more affordable.
Housing Affordability Across U.S. States
MBR-HAI score for every state as of October 14, 2026, with Indiana outlined. Green states are more affordable than the national baseline of 100; red states are less affordable. Hover for the rank; click through to any state.
National baseline = 100 (computed at the 6.5% reference rate). Scores update every morning. Hover any state for its rank; click to open that state's page.
Free to reuse with the citation shown on the image.
Indiana Affordability Ranking
Indiana MBR-HAI · 90-Day Trend
Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.
Key Affordability Factors · Indiana
Source: U.S. Census Bureau American Community Survey and Current Population Survey. Mortgage rate from MBR live rate database.
How Indiana Ranks Among All States
| Rank | State | MBR-HAI Score | Affordability |
|---|---|---|---|
| ▲ See top 3 states → | |||
| 4 | Mississippi | 130.8 | Highly Affordable |
| 5 | Iowa | 125.0 | Highly Affordable |
| 6 | Louisiana | 124.6 | Highly Affordable |
| 7 | Indiana You are here | 123.2 | Highly Affordable |
| 8 | Kentucky | 120.3 | Highly Affordable |
| 9 | Kansas | 119.3 | More Affordable Than Avg |
| 10 | Oklahoma | 116.9 | More Affordable Than Avg |
| ▼ See all 51 state rankings → | |||
Showing states ranked near Indiana · October 14, 2026 • View complete national rankings →
Download Indiana HAI Data
2026-10-14,IN,123.2,97.1,7.511
Daily scores for all 51 states, filter by state or date in Excel or Google Sheets.
All States (CSV)Press & Citation Resources · Indiana
Ready-to-publish sentences using today's Indiana data, an email template you can send to clients, and direct contact for press inquiries or custom data requests.
Ready-to-Publish Sentences
Each sentence updates daily with the live Indiana score. Free for editorial use with attribution to MonitorBankRates.
In Indiana, the MonitorBankRates (MBR) Housing Affordability Index stood at 123.2 on October 14, 2026, ranking #7 of 51 U.S. states for homeownership affordability and indicating highly affordable conditions relative to the national baseline. The state-level reading combines Indiana's 30-year mortgage rate average of 7.511% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.
“Indiana's MonitorBankRates (MBR) Housing Affordability Index score of 123.2 places it #7 of 51 nationwide. Above the 100 baseline, that means buyer purchasing power in Indiana is stronger than the long-run national average computed at a 6.5% mortgage rate. The state's 30-year average is currently 7.511%, and the index outperforms the national average.”
Brian McKay, MonitorBankRates
🏠 MonitorBankRates (MBR) Housing Affordability Index. Indiana: 123.2 (Highly Affordable), rank #7 of 51 states. 30-yr mortgage avg: 7.51%. National baseline = 100. Updated daily · via @MonitorBankRates → https://www.monitorbankrates.com/housing-affordability-index/indiana/
Housing affordability in Indiana is currently sitting at 123.2 on the MonitorBankRates (MBR) Housing Affordability Index, ranking it #7 of 51 U.S. states. With 100 representing the long-term national baseline at a 6.5% reference rate, Indiana's 30-year mortgage rate of 7.51% reflects highly affordable conditions for local buyers. The state outperforms the national average as a whole.
Mortgage Broker Email Template
Pre-written client update for Indiana homebuyers. Personalize the bracketed fields and send.
For Press & Researchers
The Indiana MBR-HAI is free to cite for editorial, academic, and policy use with attribution. We're happy to provide additional support:
- Custom data cuts: Indiana metros, MSAs, or historical slices on request
- Embargo-friendly releases: give us 24 hours notice for scheduled coverage
- Background interviews: methodology, market context, or commentary on rate moves
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For our published citation history and recent media mentions, see MBR in the Press.
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