The Roots Blog

The Indianapolis real estate blog, from people who invest here.

Guides, market notes, and how-tos on buying, selling, and investing in Indianapolis real estate, from a team built on investment principles.

221 articles
Ian DeFelice, a Roots Realty Co. agent at @properties who works with first-time buyers, standing in a downtown Indianapolis park with city buildings behind him
Home Buying

What to Expect at a First-Time Home Buyer Consultation in Indianapolis

A first-time buyer consultation is an informational first conversation. Here is what an Indianapolis meeting covers, what to bring, and what happens next.

6 MIN READ
Bar chart of the estimated monthly payment on a $325,000 Indianapolis house with 5% down at six mortgage rates from 6.00% to 7.50%, rising from $2,541 to $2,848, with the 7.28% bar at $2,802 highlighted
Home Buying

Mortgage Payment on a $325K House in Indianapolis (7.28%)

At 7.28%, a $325,000 Indianapolis house costs about $2,250 a month with 20% down and $2,800 with 5% down. Here is the payment at every rate, and what a buydown, a price cut or waiting really changes.

12 MIN READ
Corner view of the brick Fountain Square Theatre building on Shelby Street in Indianapolis, with ground-floor restaurant signs, a small fountain and a street intersection in the foreground
Home Buying

Buying a Home Near New Development: A Buyer Checklist

Westfield, Nora and Fountain Square all have projects in the news. Here is how to check approval status, road closures and the seller disclosure before you buy nearby.

Westfield · 6 MIN READ
The Indiana Statehouse dome at the end of Market Street in downtown Indianapolis, with a horse-drawn carriage on the brick street
Strategy & ROI

Indiana's Homestead Property Tax Swap, Explained

Three legislators pitched ending property tax on owner-occupied homes and replacing it with local income tax. Here is the law today and the math for owners, renters and landlords.

6 MIN READ
Panorama of downtown Indianapolis from the southwest, with Victory Field baseball stadium and the JW Marriott tower on the left and Convention Center roofs in the foreground
Market Trends

Indy Real Estate and Development News: What Matters Now

What is happening in Indianapolis real estate and development right now, what each item means for buyers, sellers and investors, and the August MIBOR numbers. Updated Oct. 1, 2026.

Westfield · 6 MIN READ
The Bona Thompson Memorial Center, a historic former library building in Irvington on the east side of Indianapolis
Neighborhood Guides

Irvington's new DORA district: what it means for home values on the east side

Indianapolis's first DORA went live in Irvington on Sept. 3, 2026. Here's where it runs, what it allows, and what it realistically means for home values nearby.

Irvington · 4 MIN READ
Roots Realty cover card reading: DSCR loans. Qualify on the property's rental income, not your W-2.
Investing

DSCR Loans in Indianapolis: What Investors Should Know

DSCR loans qualify you on rent, not your W-2. The 2026 math on a $250K Indy rental, what four lenders actually require, and the traps to check first.

6 MIN READ
Roots Realty cover card reading: Permit-ready plans. Indianapolis is funding a free catalog of pre-approved blueprints.
Investing

Indianapolis Permit-Ready Housing Plans for Infill Investors

Indianapolis is building a free catalog of permit-ready plans for single-family homes, duplexes and ADUs. What's confirmed, what it saves, and what to watch.

6 MIN READ
Brick rental homes on a quiet residential street in Indianapolis, Indiana
Investing

Under $300K in Indianapolis: Is It Still the Best Investment Band?

The 0.9-month supply figure for under-$300K Indianapolis homes dates to 2025. Here is what current MIBOR and submarket data show, compared band by band.

7 MIN READ
Roots Realty cover card reading: FHA loans in Indianapolis. What first-time buyers should know.
Home Buying

FHA Loan Indianapolis: What First-Time Buyers Should Know

An FHA loan on a $250K Indy house runs about $1,688/mo. Here is the real payment math, the $541,287 Indiana limit, and what the WSJ story does not change.

7 MIN READ
Downtown Indianapolis skyline
Market Trends

Indianapolis Real Estate Market Update

The current 30-year mortgage rate is 7.40%. Here is what that, plus the latest Indianapolis prices and neighborhood trends, means for buyers, sellers, and investors this week.

2 MIN READ
BRRRR vs new construction: 2026 math blog cover, Roots Realty Co.
Investing

BRRRR vs New Construction in Indianapolis: 2026 Math

A $195K Beech Grove BRRRR carries $1,002/mo. A $430K Fishers build carries $2,211. Both paths run on real local numbers, including the rule that kills one.

10 MIN READ

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