11/06/2025
First-Time Homebuyers Hit a Record Low — But Central Indiana Tells a Different Story
National data continues to show a split housing market:
• First-time buyers have fallen to a record low of just 21%
• The median first-time buyer age has climbed to 40 years old
• All-cash offers remain at all-time highs
These trends—reported in NAR’s latest annual survey—reflect what many buyers already feel: affordability challenges, limited entry-level inventory, and intense competition in certain price points.
✅ But here in Central Indiana, we’re not following every national trend.
Locally, we’re seeing:
• More homes hitting the market than last year
• Price appreciation slowing
• Mortgage rates stabilizing in the mid-6s
• Local buyers gaining breathing room and negotiation power
If you’re thinking about buying or selling in 2026, your best guide isn’t the national headlines—it’s what’s happening right here in your local market.
If you’d like a breakdown specific to your neighborhood or price range, I’m always here to help.
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A tale of two markets is unfolding for homebuyers in the United States: The share of first-timers is at a new low, while the number of buyers paying
