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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Harlan, IN Housing Affordability Index

Harlan, Indiana has an MBR Housing Affordability Index score of 175.8 (Highly Affordable) as of October 30, 2026, ranking 226th most affordable of 621 scored Indiana cities, compared with 123.6 statewide and 97.4 nationally. On a median-priced $179,200 home with 20% down, the Indiana average 30-year fixed rate of 7.41% means a monthly principal and interest payment of about $993, or 16% of the city’s $75,313 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Harlan is updated every night from live Indiana mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Harlan MBR-HAI 175.8 Highly Affordable
Rank in Indiana 226 of 621 1 = most affordable
Indiana 123.6 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.41% Indiana lenders
Median home value $179,200 U.S. Census Bureau

Harlan is 52.2 points above the Indiana score. Scores as of October 30, 2026. See the Indiana index

View Harlan Mortgage Rates

What It Takes to Buy in Harlan

$993/mo
Principal & Interest
Median home, 20% down, 7.41%
$42,600
Income Needed
To keep the payment at 28% of income
$75,313
Median Household Income
Indiana: $71,957
2.4x
Price-to-Income Ratio
Indiana: 3.0x
$608/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,250/yr
Median Property Tax
0.70% of median value
5.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
34.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Harlan, Indiana. The rate is the Indiana average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Harlan Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harlan, Indiana score: 175.8 (Highly Affordable), ranked 226 of 621 Indiana cities. monitorbankrates.com/housing-affordability-index/indiana/harlan”