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Featured local agent — Lake Holiday, IN
Sarah Mitchell
Compass Real Estate · Lake Holiday, IN
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Lake Holiday, IN Housing Market
The last median sale price Redfin published was $430,000 (through May 2026). With 4.0 months of supply, Lake Holiday is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $430,000 home is about $2,296/mo in principal and interest.
Key numbers for Lake Holiday, IN
Median sale price
$430,000
Last published period
Redfin, through March 2026
Active listings
4
4.0 months of supply
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$87,031
Home costs 4.9x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.0%
Selling above asking
Redfin, through March 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Lake Holiday a buyer's or seller's market?
Lake Holiday, IN is a balanced market, based on 4.0 months of supply. 4 to 5 months of supply is the neutral band: neither side holds a structural advantage, and outcomes turn on the individual property.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Lake Holiday housing market data show?
Every row below is Redfin's final published month for Lake Holiday, IN. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $430,000 |
| Median list price | $317,400 |
| Median price per sq ft | $173/sq ft |
| Active inventory | 4 listings |
| Months of supply | 4.0 months |
| Sale-to-list price ratio | 100.0% |
| Homes sold (that month) | 1 |
| New listings (that month) | 4 |
| Listings with a price cut | 25.0% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Lake Holiday is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Lake Holiday is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Lake Holiday home prices moved?
Over the last three years the median sale price in Lake Holiday, IN rose 16.2%, from $370,000 to $430,000. 25.0% of Lake Holiday listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 4.0 months while the sale-to-list ratio slips below its current 100.0%. Watch those two together — they move before the median does.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Lake Holiday?
Priced off the median sale price of $430,000 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $86,000 | $344,000 | $2,296/mo |
| 5% | $21,500 | $408,500 | $2,726/mo |
Redfin, through March 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,296, that implies roughly $98,382 a year before you add taxes and insurance. The median household in Lake Holiday earns $87,031, about $11,351 short of that threshold — the typical local household needs a larger down payment, a co-borrower, or a home below the median sale price to fit the 28% rule. That puts the price-to-income ratio at 4.9x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Lake Holiday in the next 12 months?
Tell us your timeline. We send the Lake Holiday market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Lake Holiday?
Zillow does not publish a rent index (ZORI) for Lake Holiday, IN, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Lake Holiday?
Active listings in Lake Holiday, IN went from 4 in June 2024 to 4 in March 2026, a +0.0% change. Inventory has been roughly flat, which usually keeps prices moving with rates rather than with local supply.
| Month | Active listings | New listings |
|---|---|---|
| July 2024 | 2 | not published |
| August 2024 | 1 | 1 |
| September 2024 | 4 | 3 |
| November 2024 | 4 | 1 |
| December 2024 | 2 | 1 |
| January 2025 | 3 | 1 |
| June 2025 | 3 | not published |
| August 2025 | 1 | not published |
| September 2025 | 1 | not published |
| November 2025 | 1 | 1 |
| January 2026 | 3 | 2 |
| March 2026 | 4 | 4 |
Redfin, through March 2026
How does Lake Holiday compare to Indiana and the U.S.?
Lake Holiday homes sell for $430,000 — 50% above the Indiana median of $287,300. Against the national median of $410,700, Lake Holiday runs 5% higher.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Lake Holiday, IN | $430,000 | not published | not published |
| Indiana statewide | $287,300 | +4.2% | 26 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Lake Holiday
What buyers should watch
- Months of supply, currently 4.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 25.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $430 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $430,000 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- Homes here close at 100.0% of asking. Price at the number you want and let competition do the rest.
- In the last published month Lake Holiday added 4 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside Lake Holiday varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Lake Holiday
There are currently 4 homes listed for sale in Lake Holiday, Indiana. The median listing price is $317K.
Active listings
4
Homes on market
Median list price
$317K
New this week
4
Newly listed
How much do homes cost in Lake Holiday by property type?
How the Lake Holiday, IN market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $430,000 | $173/sq ft | 1 | not published |
Who lives in Lake Holiday?
American Community Survey estimates for Lake Holiday. U.S. Census ACS, 2023
Population
1,072
Households
399
Median income
$87,031/yr
Median age
48.6 years
Owner-occupied
97.5%
Median home value
$242,200
Mean commute
38.7 min
97.5% of occupied homes in Lake Holiday are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near Lake Holiday, IN?
Ordered by distance from Lake Holiday, not by size. Compare Lake Holiday side by side with any of them.
Lake Holiday housing market FAQ
Is Lake Holiday a buyer's or seller's market?
Lake Holiday, IN is currently a balanced market. That read comes from 4.0 months of supply, and sellers getting 100.0% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Lake Holiday?
The median sale price in the last month Redfin published was $430,000, about $173 per square foot.
Is Lake Holiday cheaper than the rest of Indiana?
Lake Holiday's median sale price of $430,000 is 50% higher than the Indiana statewide median of $287,300, and 5% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Lake Holiday?
We do not hold a days-on-market figure for Lake Holiday, IN. Redfin stopped publishing its public market tracker in June 2026, so this metric is frozen wherever it exists and missing where it never landed.
What income do you need to buy a home in Lake Holiday?
At the current 30-year fixed rate of 7.03%, 20% down on a $430,000 home is about $2,296 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $98,382 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $87,031.
Are home prices rising in Lake Holiday?
We do not hold a complete 12-month value series for Lake Holiday, IN yet, so we are not going to call a direction. The price chart above shows every period we do have.
What are the cheapest ZIP codes in Lake Holiday?
Lake Holiday ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Lake Holiday?
That depends on your timeline, not on a headline. What the data says today: Lake Holiday, IN is a balanced market with 4.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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One email: what homes are actually clearing at around $430,000, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.