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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 See your state’s current score

Indiana Housing Affordability Index | MonitorBankRates (MBR-HAI)

Indiana Housing Affordability Index

Indiana’s MBR Housing Affordability Index score is 123.6 (Highly Affordable) as of October 30, 2026, ranking 7th most affordable of 51 states, compared with a national score of 97.4. On a median-priced $218,200 home in Indiana with 20% down, the current 7.41% 30-year fixed rate means a monthly principal and interest payment of about $1,210, 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.

Indiana MBR-HAI 123.6 Highly Affordable

National 97.4 Near National Average

Rank 7 of 51 1 = most affordable

Avg 30-yr rate 7.41% Indiana lenders

Median home value $218,200 U.S. Census Bureau

Median income $71,957 U.S. Census Bureau

National 97.4 Indiana 123.6

Less affordable100 = national baselineMore affordable

Indiana is 26.2 points above the national score. Scores as of October 30, 2026, unchanged from the prior day. View all state rankings

View Indiana Mortgage Rates

Jump to: State Map Indiana Rank Indiana Cities 90-Day Trend Affordability Factors vs. Other States Download Data Press & Citations

Housing Affordability Across U.S. States

MBR-HAI score for every state as of October 30, 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.

Highly Affordable (120+) More Affordable (110-119) Near Average (90-109) Moderately Less (70-89) Significantly Less (50-69) Least Affordable (under 50)

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.

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Indiana Affordability Ranking

#7 of 51 states · October 30, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 44 of 51 states (86%)

Less affordable than: 6 of 51 states (12%)

MBR-HAI Score: 123.6 vs. national 97.4 (+26.2 points)

Nearby States

↑ 4 more affordable states above

#5 IA 126.4

#6 LA 125.1

#7 Indiana ◀ 123.6

#8 KY 120.8

#9 KS 120.0

↓ 42 less affordable states below

Top 5 Most Affordable

#1 WV 145.2

#2 AR 135.7

#3 AL 134.1

#4 MS 131.1

#5 IA 126.4

Bottom 5 Least Affordable

#47 OR 78.0

#48 DC 77.6

#49 MA 76.0

#50 HI 69.3

#51 CA 67.5

View full 51-state rankings →

Indiana Cities Ranked by Housing Affordability

MBR-HAI scores for 621 Indiana cities as of October 30, 2026, from most to least affordable. Each score uses the city’s Census income, home value and housing costs with the Indiana average 30-year rate. Select a city for its full breakdown.

#1 Homer 437.8 #2 Clay City 335.6 #3 Carbon 330.8 #4 Bryant 326.5 #5 Bloomingdale 323.6 #6 Liberty Center 320.6 #7 Cory 308.4 #8 Wingate 307.2 #9 Medaryville 306.1 #10 Ambia 301.5 #11 Liberty Mills 301.4 #12 Macy 293.3 #13 Marshall 287.4 #14 Fillmore 285.5 #15 Boston 284.4 #16 Economy 281.7 #17 Cadiz 278.4 #18 Modoc 276.6 #19 Wallace 275.6 #20 Staunton 275.4 #21 Burnettsville 273.9 #22 Medora 272.8 #23 Lagro 271.2 #24 Dana 269.6 #25 Edwardsport 269.2 #26 Saltillo 268.6 #27 New Amsterdam 267.4 #28 Denver 266.9 #29 New Richmond 265.6 #30 Vera Cruz 264.8 #31 Perrysville 263.8 #32 Straughn 259.3 #33 Paragon 259.2 #34 Somerset 258.2 #35 Poneto 256.9 #36 Uniondale 255.3 #37 Ridgeville 253.8 #38 Newport 251.3 #39 Plainville 247.4 #40 Sandborn 246.5 #41 Hazleton 246.1 #42 Buffalo 244.4 #43 Bicknell 244.0 #44 Burrows 239.0 #45 Sharpsville 238.7 #46 Vernon 237.6 #47 Shelburn 237.1 #48 Pennville 236.5 #49 Larwill 235.6 #50 Mecca 234.9 #51 Altona 234.1 #52 Hillsboro 233.7 #53 Francisco 233.2 #54 Knightsville 233.1 #55 Saratoga 232.7 #56 Urbana 231.8 #57 Van Buren 231.4 #58 Webster 231.0 #59 State Line City 231.0 #60 Universal 230.3 #61 Mellott 229.5 #62 Roann 228.3 #63 Greens Fork 228.1 #64 Fulton 227.6 #65 Lyons 226.1 #66 Windfall City 225.3 #67 Coalmont 224.9 #68 Orleans 223.5 #69 Mount Auburn 221.9 #70 Gwynneville 221.1 #71 Somerville 220.3 #72 Jasonville 219.8 #73 Mexico 219.6 #74 Pierceton 217.9 #75 Mount Etna 217.5 #76 Matthews 217.4 #77 Milford 217.2 #78 Patriot 217.0 #79 French Lick 216.9 #80 Hymera 216.9 #81 West Lebanon 216.6 #82 Converse 216.3 #83 Clifford 216.3 #84 Montezuma 216.0 #85 Milroy 215.9 #86 Dugger 215.6 #87 Kimmell 214.8 #88 Oaktown 214.6 #89 Cynthiana 214.4 #90 Winslow 214.2 #91 Etna Green 212.7 #92 Newberry 211.7 #93 Warren 211.1 #94 Fowlerton 210.7 #95 Switz City 210.7 #96 Losantville 210.6 #97 Riley 210.4 #98 Monterey 210.3 #99 Hudson 210.2 #100 Holton 208.7 #101 Griffin 207.9 #102 Crane 207.6 #103 Earl Park 206.7 #104 Hamlet 206.6 #105 Solsberry 206.2 #106 Freelandville 206.1 #107 Celestine 206.0 #108 New Ross 206.0 #109 Farmersburg 205.8 #110 Blountsville 205.6 #111 Kempton 205.6 #112 Carlisle 205.4 #113 Wheatland 205.1 #114 Brownsville 205.0 #115 Vallonia 204.9 #116 Leesburg 203.8 #117 West Terre Haute 203.6 #118 Moores Hill 203.5 #119 Corydon 203.2 #120 Williamsburg 203.0 #121 South Milford 202.8 #122 Dunkirk 202.3 #123 Middletown 202.1 #124 Bloomfield 201.8 #125 Attica 201.7 #126 Royal Center 201.2 #127 Spiceland 201.1 #128 Gentryville 200.8 #129 Dupont 200.7 #130 Corunna 200.5 #131 Cayuga 199.3 #132 Gaston 198.6 #133 Parker City 198.1 #134 Eaton 197.9 #135 Birdseye 197.8 #136 Fairview Park 197.7 #137 Goodland 197.2 #138 New Goshen 196.8 #139 Stinesville 196.5 #140 Kewanna 196.2 #141 Waterloo 196.0 #142 Shirley 195.7 #143 Wolcottville 195.7 #144 Elberfeld 195.6 #145 Kennard 194.7 #146 Dunreith 194.5 #147 Veedersburg 194.4 #148 Glenwood 193.8 #149 Edgewood 193.8 #150 Mount Carmel 193.8 #151 Alexandria 193.5 #152 Patricksburg 193.0 #153 Burket 191.9 #154 Holland 191.9 #155 Elizabeth 191.8 #156 Albany 191.8 #157 Rosedale 191.8 #158 Stockwell 191.7 #159 Laconia 191.5 #160 Tippecanoe 191.1 #161 Hartsville 190.9 #162 Bunker Hill 190.7 #163 Morocco 190.7 #164 Claypool 190.7 #165 Mooreland 190.1 #166 Rockville 189.6 #167 Troy 189.3 #168 Francesville 189.2 #169 Wilkinson 189.1 #170 Waveland 188.3 #171 Remington 188.1 #172 Boswell 187.9 #173 Bruceville 187.5 #174 Newtown 187.5 #175 La Fontaine 187.5 #176 La Crosse 187.1 #177 Burlington 186.5 #178 Portland 186.0 #179 Milton 185.6 #180 Wolcott 185.6 #181 Commiskey 185.5 #182 Scotland 184.9 #183 Clarks Hill 184.8 #184 Selma 184.5 #185 Kirklin 184.3 #186 New Middletown 184.1 #187 New Market 184.1 #188 West College Corner 183.8 #189 Worthington 183.4 #190 Chrisney 183.3 #191 Camden 183.1 #192 Hemlock 183.1 #193 Jonesville 182.8 #194 Chandler 182.5 #195 Summitville 181.6 #196 Milltown 181.1 #197 Spring Grove 180.9 #198 Frankton 180.8 #199 Jonesboro 180.6 #200 Leavenworth 180.5 #201 Shamrock Lakes 180.4 #202 Chalmers 180.2 #203 Monon 179.7 #204 Mount Ayr 179.4 #205 Harmony 179.3 #206 Elwood 179.3 #207 Hartford City 179.3 #208 Salamonia 178.9 #209 Butler 178.7 #210 Winchester 178.1 #211 Arcola 178.0 #212 Dublin 177.4 #213 Mentone 177.4 #214 Peru 177.3 #215 Michigantown 177.2 #216 Orestes 177.1 #217 Albion 176.8 #218 Swayzee 176.8 #219 Sweetser 176.7 #220 Indian Village 176.5 #221 Patoka 176.5 #222 New Whiteland 176.4 #223 Napoleon 176.2 #224 Russiaville 176.1 #225 Russellville 175.9 #226 Harlan 175.8 #227 Linden 174.9 #228 Montpelier 174.7 #229 Memphis 174.6 #230 Crothersville 174.6 #231 Whitewater 174.2 #232 Waynetown 174.0 #233 Walton 173.6 #234 Livonia 172.8 #235 Carthage 172.7 #236 Logansport 172.6 #237 Fairmount 172.4 #238 New Castle 172.3 #239 South Whitley 172.3 #240 Dale 172.3 #241 Mulberry 171.6 #242 Redkey 171.4 #243 Andrews 171.4 #244 Markleville 171.2 #245 Lynn 171.0 #246 Ligonier 170.9 #247 Richland 170.5 #248 Gosport 170.2 #249 Spurgeon 169.9 #250 Union City 169.7 #251 Little York 169.5 #252 Fountain City 169.4 #253 Marengo 169.3 #254 Chesterfield 168.9 #255 Linton 168.8 #256 Amo 168.7 #257 Pine Village 168.0 #258 Poseyville 166.9 #259 Wabash 166.4 #260 Vincennes 166.2 #261 Orland 166.2 #262 Lizton 165.9 #263 Colfax 165.5 #264 Argos 165.4 #265 Woodburn 165.4 #266 Oolitic 165.1 #267 New Point 165.0 #268 Hope 164.9 #269 Brooklyn 164.6 #270 Silver Lake 164.5 #271 Crandall 164.4 #272 Brook 164.4 #273 Brownstown 164.2 #274 Marion 164.1 #275 Brazil 163.8 #276 Churubusco 163.3 #277 Cambridge City 163.2 #278 Stilesville 162.8 #279 Gas City 162.8 #280 Sulphur Springs 162.7 #281 Topeka 162.7 #282 Galveston 162.1 #283 Kingsford Heights 162.1 #284 Huntington 161.5 #285 Campbellsburg 161.5 #286 Brookston 161.4 #287 Lewisville 161.3 #288 Austin 161.0 #289 Ingalls 160.9 #290 Zanesville 160.8 #291 Reynolds 160.8 #292 Darlington 160.8 #293 Connersville 160.7 #294 Plymouth 160.6 #295 Fortville 160.4 #296 Morgantown 160.3 #297 North Manchester 160.3 #298 Arlington 160.2 #299 Monroeville 160.1 #300 Daleville 160.0 #301 Lynnville 160.0 #302 Yorktown 159.8 #303 Dayton 159.7 #304 Osgood 159.7 #305 Oakland City 159.6 #306 Greentown 159.3 #307 Farmland 159.2 #308 Kentland 158.9 #309 Roachdale 158.7 #310 New Washington 158.7 #311 Princeton 158.3 #312 Springport 158.3 #313 Kendallville 158.1 #314 Union Mills 158.1 #315 Monrovia 158.1 #316 Greenville 158.1 #317 Laketon 157.9 #318 Akron 157.6 #319 Laurel 157.5 #320 Wadesville 157.5 #321 Frankfort 157.3 #322 Seymour 157.3 #323 Fremont 157.2 #324 Pleasant Lake 157.1 #325 Coatesville 156.9 #326 Lanesville 156.6 #327 Clermont 156.6 #328 Waldron 156.5 #329 Fowler 156.3 #330 Williamsport 156.2 #331 Bourbon 156.2 #332 North Salem 156.1 #333 Petersburg 155.9 #334 Muncie 155.6 #335 Goldsmith 155.4 #336 Ladoga 155.3 #337 Romney 155.3 #338 Garrett 155.2 #339 Tennyson 155.1 #340 Rensselaer 155.1 #341 East Germantown 155.0 #342 Cedar Grove 154.3 #343 Howe 154.2 #344 Oxford 154.1 #345 Berne 153.9 #346 Elnora 153.9 #347 Hatfield 153.8 #348 Monroe 153.7 #349 Monroe City 153.6 #350 Yeoman 153.6 #351 Amboy 153.5 #352 Paxton 153.3 #353 Cromwell 153.2 #354 Hagerstown 153.2 #355 Vevay 152.8 #356 Linn Grove 152.6 #357 Geneva 151.8 #358 Rushville 151.7 #359 Ashley 151.7 #360 Bluffton 151.6 #361 Rossville 151.6 #362 Borden 150.8 #363 Milan 150.7 #364 Montgomery 150.4 #365 Charlottesville 150.4 #366 Jamestown 150.4 #367 Pottawattamie Park 150.1 #368 Otterbein 150.0 #369 Poland 150.0 #370 Avoca 149.9 #371 Seelyville 149.9 #372 Clinton 149.8 #373 Rising Sun 149.6 #374 Delphi 149.6 #375 Stanford 149.6 #376 Bainbridge 149.5 #377 Manilla 149.4 #378 Lakeville 149.2 #379 Owensville 149.2 #380 Markle 149.0 #381 Atlanta 148.9 #382 Wheatfield 148.8 #383 Avilla 148.6 #384 Hanover 148.5 #385 Rockport 148.4 #386 Westville 148.4 #387 Crawfordsville 148.0 #388 North Liberty 147.8 #389 Roanoke 147.6 #390 Rochester 147.5 #391 Upland 147.3 #392 New Haven 147.3 #393 North Judson 147.3 #394 Winamac 147.0 #395 Walkerton 146.9 #396 Hillisburg 146.8 #397 Idaville 146.7 #398 Palmyra 146.5 #399 Westport 146.4 #400 North Vernon 146.1 #401 Grabill 146.0 #402 Decatur 146.0 #403 Underwood 146.0 #404 Town of Pines 145.6 #405 Tipton 145.3 #406 Salem 145.3 #407 Middlebury 145.2 #408 Alfordsville 144.9 #409 Sidney 144.9 #410 Kokomo 144.5 #411 Liberty 144.0 #412 Mitchell 143.7 #413 Grandview 143.5 #414 Whiteland 143.4 #415 Ragsdale 143.1 #416 Syracuse 143.0 #417 Tell City 142.9 #418 Ferdinand 142.6 #419 Lagrange 142.0 #420 Knox 141.9 #421 Ossian 141.8 #422 Boonville 141.6 #423 Utica 141.5 #424 Richmond 141.3 #425 Lake Station 141.1 #426 Battle Ground 141.0 #427 Advance 140.6 #428 Martinsville 140.5 #429 Edinburgh 140.5 #430 Auburn 140.5 #431 Knightstown 140.4 #432 Highland 140.1 #433 New Pekin 140.1 #434 Flat Rock 139.9 #435 East Chicago 139.7 #436 Trail Creek 139.4 #437 Pittsboro 139.2 #438 Greencastle 138.9 #439 Gary 138.9 #440 Prince's Lakes 138.8 #441 Wakarusa 138.8 #442 New Chicago 138.7 #443 New Paris 138.6 #444 Roselawn 138.6 #445 Sullivan 138.3 #446 Granger 138.3 #447 Sunman 138.0 #448 South Bend 137.9 #449 Brookville 137.7 #450 Thorntown 137.6 #451 Anderson 137.5 #452 Morristown 137.5 #453 Mount Vernon 137.4 #454 Arcadia 137.0 #455 English 136.6 #456 Elizabethtown 136.5 #457 Paoli 136.3 #458 Ellettsville 136.1 #459 Georgetown 135.7 #460 Huntingburg 135.5 #461 La Porte 135.5 #462 Evansville 135.3 #463 Kingman 134.7 #464 Greendale 134.7 #465 Sheridan 134.7 #466 Burns Harbor 134.2 #467 Terre Haute 134.2 #468 Loogootee 134.2 #469 New Carlisle 134.1 #470 Michigan City 134.0 #471 Cumberland 133.9 #472 Roseland 133.7 #473 Columbia City 133.7 #474 Lapel 133.4 #475 Cannelton 133.2 #476 Covington 133.0 #477 Santa Claus 132.6 #478 Hebron 132.5 #479 West Harrison 132.3 #480 Griffith 132.2 #481 Wanatah 132.0 #482 Rocky Ripple 131.8 #483 Spring Lake 131.7 #484 Aurora 131.6 #485 Hoagland 131.6 #486 Mooresville 131.5 #487 Elkhart 131.3 #488 Charlestown 131.3 #489 Millersburg 131.2 #490 West Baden Springs 131.1 #491 Winona Lake 130.9 #492 Greensburg 130.9 #493 Monticello 130.9 #494 Kingsbury 130.6 #495 Maxwell 130.5 #496 Dillsboro 130.3 #497 Odon 130.1 #498 Huntertown 130.1 #499 Angola 129.9 #500 Greenfield 129.9 #501 Clayton 129.7 #502 Trafalgar 129.6 #503 Washington 129.5 #504 Flora 129.2 #505 Whiting 128.9 #506 Kouts 128.8 #507 Cannelburg 128.5 #508 Haubstadt 128.4 #509 Country Club Heights 128.3 #510 Mariah Hill 128.2 #511 Bridgeton 128.1 #512 Henryville 127.9 #513 Spring Hill 127.8 #514 Shoals 127.1 #515 Floyds Knobs 127.1 #516 Lebanon 126.7 #517 Franklin 126.6 #518 Mishawaka 126.4 #519 Osceola 126.4 #520 Lafayette 126.2 #521 Shadeland 126.0 #522 Pendleton 125.8 #523 Bedford 125.5 #524 New Harmony 125.4 #525 Cloverdale 125.0 #526 Schneider 124.9 #527 Nineveh 124.3 #528 Fort Branch 124.2 #529 Leo-Cedarville 124.2 #530 Lake Village 124.2 #531 Newburgh 123.9 #532 Danville 123.9 #533 Warsaw 123.9 #534 Jasper 123.5 #535 Spencer 123.3 #536 Fort Wayne 123.2 #537 Centerville 123.2 #538 Sellersburg 123.2 #539 North Webster 123.1 #540 Hammond 122.8 #541 Bremen 122.8 #542 Madison 122.5 #543 Clarksville 122.4 #544 Homecroft 122.1 #545 Jeffersonville 122.1 #546 Brownsburg 121.6 #547 Columbus 121.5 #548 McCordsville 121.2 #549 Shelbyville 120.9 #550 New Salisbury 120.9 #551 Bristol 120.9 #552 Plainfield 120.5 #553 Crown Point 120.4 #554 Lowell 120.4 #555 Boggstown 120.4 #556 Portage 120.4 #557 New Albany 120.4 #558 Darmstadt 120.3 #559 Southport 120.2 #560 Goshen 119.5 #561 Winfield 119.4 #562 Greenwood 119.2 #563 Hobart 118.8 #564 Lawrence 118.3 #565 Wyatt 118.0 #566 Eckerty 117.7 #567 New Trenton 117.6 #568 Munster 117.5 #569 Oldenburg 117.2 #570 Brooksburg 117.1 #571 Mackey 116.9 #572 Dyer 116.8 #573 Whitestown 116.3 #574 Wynnedale 115.5 #575 Fishers 115.5 #576 Merrillville 115.3 #577 Hanna 114.6 #578 Versailles 114.4 #579 Cross Plains 114.3 #580 Avon 114.1 #581 Meridian Hills 113.4 #582 Zionsville 112.3 #583 Chesterton 112.1 #584 Nappanee 111.9 #585 Rome City 111.7 #586 Noblesville 111.1 #587 Batesville 110.9 #588 Morris 110.4 #589 Cedar Lake 110.4 #590 Hamilton 110.4 #591 Hardinsburg 109.9 #592 Dubois 109.4 #593 Scottsburg 109.3 #594 Schererville 108.9 #595 New Palestine 108.4 #596 Beech Grove 107.5 #597 Woodlawn Heights 107.4 #598 Carmel 107.3 #599 Speedway 106.5 #600 Porter 106.4 #601 Fairland 106.1 #602 Westfield 105.9 #603 Valparaiso 103.0 #604 Lawrenceburg 102.5 #605 Bargersville 102.0 #606 Cicero 100.8 #607 Leiters Ford 99.7 #608 Nashville 98.4 #609 Culver 97.4 #610 Warren Park 96.0 #611 Ogden Dunes 95.6 #612 Long Beach 93.5 #613 Harrodsburg 93.4 #614 Michiana Shores 92.0 #615 Dune Acres 87.3 #616 Beverly Shores 83.2 #617 Shipshewana 81.4 #618 Bloomington 81.1 #619 Sumava Resorts 78.2 #620 Clear Lake 76.6 #621 West Lafayette 68.9

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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

7.408%

30-yr Mortgage Rate

State average • October 30, 2026

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

of 51 states

Least Affordable Most Affordable

Indiana is more affordable than 88% of U.S. states, Highly Affordable

123.6

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
▲ See top 3 states →
4	Mississippi	131.1	Highly Affordable
5	Iowa	126.4	Highly Affordable
6	Louisiana	125.1	Highly Affordable
7	Indiana You are here	123.6	Highly Affordable
8	Kentucky	120.8	Highly Affordable
9	Kansas	120.0	Highly Affordable
10	Oklahoma	117.4	More Affordable Than Avg
▼ See all 51 state rankings →

Showing states ranked near Indiana · October 30, 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

                    2026-10-30,IN,123.6,97.4,7.408                

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)

Cite the Indiana MBR-HAI

Editorial / press citation

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Indiana score: 123.6 (Highly Affordable), ranked #7 of 51 states. Methodology: monitorbankrates.com/housing-affordability-index-methodology”

APA 7th edition (academic)

Monitor Bank Rates LLC. (2026, October 30). MonitorBankRates (MBR) Housing Affordability Index: Indiana [Data set]. https://www.monitorbankrates.com/housing-affordability-index/indiana/

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.

News Lead · AP-style, factual

In Indiana, the MonitorBankRates (MBR) Housing Affordability Index stood at 123.6 on October 30, 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 7.408% with U.S. Census Bureau housing values, household income, property taxes, and cost burden data.

Analyst Quote · with voice, attributable

“Indiana's MonitorBankRates (MBR) Housing Affordability Index score of 123.6 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 7.408%, and the index outperforms the national average.”

Brian McKay, MonitorBankRates

Social Media · concise, share-friendly

Casual / Blog · conversational

Housing affordability in Indiana is currently sitting at 123.6 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 7.41% 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.

SubjectHousing affordability snapshot for Indiana: what it means for your search

Hi [Client Name], Wanted to share a quick affordability snapshot for Indiana from the MonitorBankRates (MBR) Housing Affordability Index, a daily-updated composite that tracks how affordable U.S. homeownership is right now. Indiana's current reading: 123.6 (Highly Affordable), rank #7 of 51 states National reading: 97.430-year mortgage rate average in Indiana: 7.408% The index baseline of 100 represents long-run typical conditions at a 6.5% reference rate. Indiana currently outperforms the national average. For full state context (including the 90-day trend, key affordability factors, and how Indiana compares to neighboring states) see: https://www.monitorbankrates.com/housing-affordability-index/indiana/ Always happy to discuss what this means for your specific situation. Best, [Your Name]

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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.