Sep 2026
$302K
+1.5% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Lafayette, IN housing market
Lafayette, IN metro median sale price $302K in Sep 2026, up 1.5% year over year. Also days on market, price cuts, affordability and ZIP-code figures.
The median sale price in the Lafayette, IN metro is $302K as of Sep 2026, up 1.5% from a year earlier. That change sits near the middle of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro shows a larger change, up 4.1% through Q2 2026, 2.6 points apart; Price reconciliation below shows both.
On median sale price, Lafayette ($302K) ranks 3rd of the 12 Indiana metros Pecan Street tracks, between Indianapolis ($325K) and Columbus ($298K). On median days on market, Lafayette (52 days) ranks 5th of the 12 Indiana metros, between Evansville (52 days) and Muncie (50 days). On share of listings with a price cut, Lafayette (51%) ranks 6th of the 12 Indiana metros, between South Bend (51%) and Muncie (49%).
Listings spent a median 52 days on market in Sep 2026, fewer than in most of the 385 metros. 51% of active listings carry a price cut, 1.9 points more than a year earlier. That share is the 26th-highest of the 385 metros.
At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,654 a month; at 28% of gross income, that takes about $71K a year. The median sale price equals about 17 years of HUD Fair Market Rent, a ratio down 0.4% from a year earlier. That ratio is higher than in most of the 373 metros. Active listings ask a median $175 per square foot, down 0.6% from a year earlier.
In three of the four ZIP codes in the table below, median list prices are higher than a year earlier; one is lower.
Headline
Oct 15, 2026
7.29%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,654/mo
$71K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Lafayette compares to other U.S. metros
| Price cuts | ↑26th of 385 (top 7%) |
|---|---|
| Price-to-rent | ↑123rd of 373 (top 33%) |
| Days on market | ↓255th of 385 |
| Home-price growth | 214th of 383 |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 17 -0.4% YoY ↑123rd of 373 (top 33%) |
|---|---|
| Asking price / sq ft | $175 -0.6% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 51% +1.9 pts YoY ↑26th of 385 (top 7%) |
|---|
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 4 shown of 30 |
|---|---|
| MLS board of record | — |
| Price methodology | Redfin vs FHFA HPI |
| Data as of | Sep 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
amber · 2.6ppRedfin (metro) +1.5% | FHFA HPI · Q2 2026 +4.1% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
More markets in IN
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Try it freeZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 47904 | $198K↑ | 32↑ | 16↑ | 18↑ | 40↓ | $183K↑ |
| 47905 | $357K↑ | 102↑ | 60↑ | 58↑ | 45↑ | $295K↑ |
| 47906 | $432K↓ | 169↑ | 52↑ | 80↑ | 55↑ | $364K↑ |
| 47909 | $336K↑ | 93↑ | 58↓ | 60↑ | 38↑ | $278K↑ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.