Adair County, Iowa home prices
Typical home $197,786 · +8.4% in a year · property tax 1.28%
The typical home in Adair County is worth $197,786, 16% less than the Iowa typical home ($236,623). Values changed +8.4% in the past year and +32.2% over five years. Homeowners here pay a median 1.28% of their home's value in property tax each year ($2,528 on the typical home), versus 1.27% statewide.
Mortgage on the typical Adair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $39,557 | $158,229 | $1,064 | $0 | $310 | $1,374 | $58,900 |
| 10% down | $19,779 | $178,008 | $1,197 | $74 | $310 | $1,581 | $67,800 |
| 5% down | $9,889 | $187,897 | $1,264 | $78 | $310 | $1,652 | $70,800 |
| 3.5% down (FHA) | $6,923 | $194,204 | $1,306 | $87 | $310 | $1,703 | $73,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.28% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Iowa.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clarke County | $197,299 | +2.6% | 1.6% |
| Clay County | $195,966 | +4.2% | 1.15% |
| O Brien County | $194,875 | +8.0% | 0.98% |
| Mahaska County | $200,948 | +8.5% | 1.32% |
| Henry County | $192,451 | +6.2% | 1.56% |
| Marshall County | $192,339 | +3.6% | 1.42% |
| Howard County | $204,056 | +9.3% | 1.25% |
| Cerro Gordo County | $204,868 | +3.0% | 1.45% |
| Worth County | $190,414 | +4.6% | 1.1% |
| Butler County | $190,215 | +4.8% | 1.35% |
Frequently asked questions
What is the average home price in Adair County, IA?
The typical home value in Adair County is $197,786 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adair County?
About $58,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adair County?
The median effective rate is 1.28% of home value a year (Census ACS 2024 5-year estimates).