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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

Rome City, IN Housing Affordability Index

Rome City, Indiana has an MBR Housing Affordability Index score of 111.7 (More Affordable Than Average) as of October 30, 2026, ranking 585th most affordable of 621 scored Indiana cities, compared with 123.6 statewide and 97.4 nationally. On a median-priced $265,900 home with 20% down, the Indiana average 30-year fixed rate of 7.41% means a monthly principal and interest payment of about $1,474, or 25% of the city’s $71,016 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Rome City 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.

Rome City MBR-HAI 111.7 More Affordable Than Average
Rank in Indiana 585 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 $265,900 U.S. Census Bureau

Rome City is 11.9 points below the Indiana score. Scores as of October 30, 2026. See the Indiana index

View Rome City Mortgage Rates

What It Takes to Buy in Rome City

$1,474/mo
Principal & Interest
Median home, 20% down, 7.41%
$63,200
Income Needed
To keep the payment at 28% of income
$71,016
Median Household Income
Indiana: $71,957
3.7x
Price-to-Income Ratio
Indiana: 3.0x
$866/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,318/yr
Median Property Tax
0.87% of median value
17.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
50.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Rome City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Rome City, Indiana score: 111.7 (More Affordable Than Average), ranked 585 of 621 Indiana cities. monitorbankrates.com/housing-affordability-index/indiana/rome-city”