Indiana · GEOID 18061

Harrison County

2024 ACS 5-year estimates · population 39,859 · 16,953 housing units

Median household income

$74,475

State $73,272

Median home value

$229,600

State $222,483

Median gross rent

$836

State $1,072

Homeownership rate

83.6%

State 70.6%

Renter cost-burden rate

36.5%

≥30% of income

Owner cost-burden rate

13.9%

≥30% of income

Homeowner vacancy

0.8%

Of owner-occupied + for-sale units

Rental vacancy

8.5%

Of renter-occupied + for-rent units

Overall vacancy

8.6%

All housing units

Price-to-income ratio

3.08

Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

	Harrison County	Indiana
Population	39,859	6,851,073
Population density (per sq. mi.)	82.34	—
Median household income	$74,475	$73,272
HUD Area Median Income (4-person, 100%)	$99,000	—
Households	15,497	—
Average household size	2.54 people	—
Owner-occupied	83.6%	70.6%
Renter-occupied	16.4%	29.4%
Race	94.5% White · 0.8% Black	0.0% White · 0.0% Black

Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

Harrison County compared with Indiana.

Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

21.7% hold a bachelor's degree or higher (state: 29.5%).

Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.

Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.

Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.

Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.

Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners	Share	Median income	Attainable monthly housing cost	Attainable home
0 earners	18.7%	$51,348	$1,284	$160,115
1 earner	27.5%	$65,133	$1,628	$211,428
2 earners	42.7%	$115,313	$2,883	$398,215
3+ earners	11.1%	$151,447	$3,786	$532,718

Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.

Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

15,497

Average size: 2.54 people

Households with children

3,735

24.1% of households

Per-capita income

$35,756

Poverty rate: 6.7%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

83.6% owner-occupied vs. state average 70.6%.

Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 78.3% · Missing middle (2–19 units) 5.1%.

Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

40.5% built before 1980 · Median structure age 1,990.00 yrs.

Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.

Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $229,600.

Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.

Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.

Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $836.

Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.

Source: ACS 5-year 2024, Table S2502.

Vacancy composition

All 1,456 vacant units split into Census's seven categories. Frictional vacancy (units actively on the market) reflects healthy churn. Structural vacancy (seasonal, migrant, other) sits outside the market for year-round residents — high values change how the headline vacancy rate should be read.

Vacant units by type

For sale 7.1% · For rent 16.8% · Seasonal 8.5% · Other 61.1%.

Source: ACS 5-year 2024, Table B25004.

Frictional vs structural

30.4% of vacancy is frictional (for sale + for rent + rented/sold not yet occupied); 69.6% is structural (seasonal + migrant + other).

Source: ACS 5-year 2024, Table B25004.

Seasonal / recreational share of all housing

0.7%

124 units of 16,953 total

Housing units held for seasonal or recreational use.

"Other vacant" share of all housing

5.2%

890 units of 16,953 total

⚑ Above the 5% threshold — possible indicator of disinvestment, abandonment, or condemned stock.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$59,580

100% MHI$74,475

120% MHI$89,370

County-wide median from ACS 5-year estimates. A household at 100% MHI in Harrison County should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

	1-person	2-person	4-person
80% AMI	$55,450	$63,400	$79,200
100% AMI	$69,300	$79,200	$99,000
120% AMI	$83,150	$95,050	$118,800

HUD FMR Area: Louisville, KY-IN HUD Metro FMR Area. 80% AMI uses HUD's published Section 8 Low Income Limits; 100% is HUD MFI; 120% is the standard workforce convention.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Income basis Household income Interest rate % Down payment % Taxes & insurance / yr

Affordable monthly—

Affordable home price—

Renter cost burden

36.5% of renter households spend ≥30% of income on rent (14.1% spend ≥50%).

Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

13.9% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.

Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.

Source: ACS 5-year 2024, Table B25118.

Section 4

Industry & Workforce Wages

Employment, average wages, and the housing each industry's typical earner can afford in Harrison County.

Covered employment

9,132

Across 18 sectors

Establishments

713

QCEW 2024

Avg annual pay (workforce)

$50,242

Employment-weighted across sectors

Top 10 sectors by employment

Annual average employment by NAICS 2-digit sector. Counties with fewer than five covered establishments in a sector may show suppressed totals.

Source: BLS QCEW Annual Averages, 2024.

Attainable housing by industry

Industry	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 72 Accommodation and food services NAICS 72	1,856	$34,673	$98,045	−$131,555	$867
NAICS 31-33 Manufacturing NAICS 31-33	1,289	$69,817	$228,863	−$737	$1,745
NAICS 44-45 Retail trade NAICS 44-45	1,275	$35,363	$100,614	−$128,986	$884
NAICS 61 Educational services NAICS 61	916	$54,801	$172,968	−$56,632	$1,370
NAICS 23 Construction NAICS 23	656	$50,229	$155,950	−$73,650	$1,256
NAICS 62 Health care and social assistance NAICS 62	559	$54,742	$172,749	−$56,851	$1,369
NAICS 92 Public administration NAICS 92	511	$43,450	$130,716	−$98,884	$1,086
NAICS 42 Wholesale trade NAICS 42	446	$74,799	$247,408	+$17,808	$1,870
NAICS 48-49 Transportation and warehousing NAICS 48-49	261	$57,369	$182,527	−$47,073	$1,434
NAICS 52 Finance and insurance NAICS 52	244	$68,891	$225,416	−$4,184	$1,722
NAICS 71 Arts, entertainment, and recreation NAICS 71	243	$35,571	$101,388	−$128,212	$889
NAICS 54 Professional, scientific, and technical services NAICS 54	227	$71,294	$234,361	+$4,761	$1,782
NAICS 81 Other services (except public administration) NAICS 81	227	$38,779	$113,329	−$116,271	$969
NAICS 22 Utilities NAICS 22	116	$92,761	$314,268	+$84,668	$2,319
NAICS 51 Information NAICS 51	104	$32,687	$90,653	−$138,947	$817
NAICS 21 Mining, quarrying, and oil and gas extraction NAICS 21	79	$74,169	$245,063	+$15,463	$1,854
NAICS 53 Real estate and rental and leasing NAICS 53	77	$35,357	$100,591	−$129,009	$884
NAICS 11 Agriculture, forestry, fishing and hunting NAICS 11	46	$41,507	$123,484	−$106,116	$1,038

Subsector	Employment	Avg annual wage	Affordable home price	vs. median value	Affordable monthly rent
NAICS 611 Educational services NAICS 611	916	$54,801	$172,968	−$56,632	$1,370
NAICS 622 Hospitals NAICS 622	559	$54,742	$172,749	−$56,851	$1,369
NAICS 238 Specialty trade contractors NAICS 238	546	$50,802	$158,083	−$71,517	$1,270
NAICS 455 General merchandise retailers NAICS 455	444	$31,563	$86,469	−$143,131	$789
NAICS 623 Nursing and residential care facilities NAICS 623	395	$44,340	$134,029	−$95,571	$1,109
NAICS 423 Merchant wholesalers, durable goods NAICS 423	393	$77,464	$257,328	+$27,728	$1,937
NAICS 921 Executive, legislative, and other general government support NAICS 921	373	$45,239	$137,375	−$92,225	$1,131
NAICS 624 Social assistance NAICS 624	261	$28,536	$75,201	−$154,399	$713
NAICS 621 Ambulatory health care services NAICS 621	260	$64,669	$209,700	−$19,900	$1,617
NAICS 321 Wood product manufacturing NAICS 321	244	$52,064	$162,780	−$66,820	$1,302
NAICS 441 Motor vehicle and parts dealers NAICS 441	242	$49,098	$151,740	−$77,860	$1,227
NAICS 541 Professional, scientific, and technical services NAICS 541	227	$71,294	$234,361	+$4,761	$1,782
NAICS 311 Food manufacturing NAICS 311	190	$61,936	$199,527	−$30,073	$1,548
NAICS 713 Amusement, gambling, and recreation industries NAICS 713	189	$39,623	$116,471	−$113,129	$991
NAICS 445 Food and beverage retailers NAICS 445	156	$25,893	$65,363	−$164,237	$647
NAICS 484 Truck transportation NAICS 484	156	$55,750	$176,501	−$53,099	$1,394
NAICS 522 Credit intermediation and related activities NAICS 522	155	$62,165	$200,380	−$29,220	$1,554
NAICS 811 Repair and maintenance NAICS 811	144	$48,271	$148,662	−$80,938	$1,207
NAICS 332 Fabricated metal product manufacturing NAICS 332	141	$63,254	$204,433	−$25,167	$1,581
NAICS 459 Sporting goods, hobby, musical instrument, book, and miscellaneous retailers NAICS 459	130	$25,322	$63,238	−$166,362	$633
NAICS 457 Gasoline stations and fuel dealers NAICS 457	117	$28,235	$74,081	−$155,519	$706
NAICS 221 Utilities NAICS 221	116	$92,761	$314,268	+$84,668	$2,319
NAICS 561 Administrative and support services NAICS 561	109	$53,415	$167,809	−$61,791	$1,335
NAICS 444 Building material and garden equipment and supplies dealers NAICS 444	82	$59,117	$189,034	−$40,566	$1,478
NAICS 212 Mining (except oil and gas) NAICS 212	79	$74,169	$245,063	+$15,463	$1,854
NAICS 491 Postal service NAICS 491	77	$65,328	$212,153	−$17,447	$1,633
NAICS 524 Insurance carriers and related activities NAICS 524	77	$73,419	$242,271	+$12,671	$1,835
NAICS 812 Personal and laundry services NAICS 812	68	$23,034	$54,721	−$174,879	$576
NAICS 519 Web search portals, libraries, archives, and other information services NAICS 519	58	$25,164	$62,649	−$166,951	$629
NAICS 924 Administration of environmental quality programs NAICS 924	53	$27,551	$71,535	−$158,065	$689
NAICS 456 Health and personal care retailers NAICS 456	53	$46,937	$143,696	−$85,904	$1,173
NAICS 532 Rental and leasing services NAICS 532	41	$43,451	$130,720	−$98,880	$1,086
NAICS 531 Real estate NAICS 531	35	$26,886	$69,059	−$160,541	$672
NAICS 926 Administration of economic programs NAICS 926	33	$50,421	$156,665	−$72,935	$1,261
NAICS 922 Justice, public order, and safety activities NAICS 922	30	$33,881	$95,097	−$134,503	$847
NAICS 111 Crop production NAICS 111	30	$44,955	$136,318	−$93,282	$1,124
NAICS 449 Furniture, home furnishings, electronics, and appliance retailers NAICS 449	30	$29,804	$79,921	−$149,679	$745
NAICS 923 Administration of human resource programs NAICS 923	23	$51,651	$161,243	−$68,357	$1,291
NAICS 337 Furniture and related product manufacturing NAICS 337	21	$50,598	$157,323	−$72,277	$1,265
NAICS 458 Clothing, clothing accessories, shoe, and jewelry retailers NAICS 458	20	$16,417	$30,090	−$199,510	$410
NAICS 517 Telecommunications NAICS 517	15	$68,501	$223,964	−$5,636	$1,713
NAICS 323 Printing and related support activities NAICS 323	12	$32,286	$89,160	−$140,440	$807
NAICS 513 Publishing industries NAICS 513	11	$53,337	$167,519	−$62,081	$1,333
NAICS 712 Museums, historical sites, and similar institutions NAICS 712	4	$32,774	$90,976	−$138,624	$819

Affordable home price assumes the industry's average earner uses 30% of gross income for housing, with a 30-year mortgage at 7%, 5% down, $2,500/yr taxes & insurance, and 0.5% PMI. Adjust the Section 3 calculator for other terms. Affordable rent is 30% of monthly gross pay.

Source: BLS QCEW Annual Averages, 2024; ACS 5-year 2024 (median home value).

Section 5

Wages by Occupation

Selected essential-worker occupations for the MSA or nonmetropolitan area containing this county — jobs, the 10-year change, wages, and the housing each typical earner can afford. Both jobs counts and wages are reported at the MSA / nonmetropolitan-area level (BLS does not publish OEWS at the county level), so every county inside the same area shows the same numbers. For county-accurate employment totals, see Section 4 above.

Occupational wages and affordable housing

Occupation	2025 jobs	2015–2025 change	% change	Hourly wage	Annual wage	Affordable home price	Affordable monthly rent
Fast Food and Counter Workers SOC 35-3023 · prior-year code differs	15,540	(4,220)	(21%)	$13.82	$28,750	$75,998	$719
Cashiers SOC 41-2011	12,630	(970)	(7%)	$14.86	$30,920	$84,075	$773
Childcare Workers SOC 39-9011	1,720	(2,430)	(59%)	$16.00	$33,280	$92,860	$832
Retail Salespersons SOC 41-2031	17,540	(740)	(4%)	$16.28	$33,870	$95,056	$847
Janitors and Cleaners SOC 37-2011	9,220	570	7%	$17.41	$36,210	$103,766	$905
Waiters and Waitresses SOC 35-3031	10,220	(810)	(7%)	$17.48	$36,360	$104,325	$909
Tellers SOC 43-3071	1,390	(220)	(14%)	$19.05	$39,620	$116,460	$991
Home Health and Personal Care Aides SOC 31-1131 · prior-year code differs	7,650	(1,020)	(12%)	$20.14	$41,900	$124,947	$1,048
Office Clerks, General SOC 43-9061	10,480	3,090	42%	$20.17	$41,960	$125,170	$1,049
Firefighters SOC 33-2011	1,640	860	110%	$22.85	$47,520	$145,866	$1,188
Construction Laborers SOC 47-2061	4,600	1,740	61%	$23.92	$49,750	$154,167	$1,244
Maintenance and Repair Workers, General SOC 49-9071	7,060	1,390	25%	$25.92	$53,910	$169,652	$1,348
Paramedics SOC 29-2043 · prior-year code differs	490	(510)	(51%)	$27.38	$56,950	$180,968	$1,424
Carpenters SOC 47-2031	2,990	780	35%	$27.63	$57,480	$182,941	$1,437
Heavy and Tractor-Trailer Truck Drivers SOC 53-3032	10,820	2,040	23%	$30.26	$62,930	$203,227	$1,573
Police and Sheriff's Patrol Officers SOC 33-3051	2,270	90	4%	$30.62	$63,690	$206,056	$1,592
Electricians SOC 47-2111	4,340	1,420	49%	$31.14	$64,780	$210,114	$1,620
Elementary School Teachers, Except Special Education SOC 25-2021	5,510	850	18%	—	$67,030	$218,489	$1,676
Plumbers, Pipefitters, and Steamfitters SOC 47-2152	2,780	220	9%	$34.41	$71,560	$235,351	$1,789
Registered Nurses SOC 29-1141	18,180	3,360	23%	$43.36	$90,190	$304,698	$2,255

Affordable home price uses the same Section 3 formula (30% housing budget, 30-year mortgage at 7%, 5% down, $2,500/yr T&I, 0.5% PMI). Affordable rent is 30% of monthly wages. Negative job-change values are shown in red parentheses. A "prior-year code differs" note flags occupations whose SOC code changed between the two vintages (2010 SOC → 2018 SOC) — the change estimate is best-effort.

Source: BLS OEWS May 2025 (10-year change vs. May 2015). Jobs counts and wages reflect the MSA or nonmetropolitan area containing this county, not the county alone — OEWS is not published at the county level.

Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Variables: 18061 · pulled from Full Housing Data Table.xlsx.