Adams County, Iowa home prices
Typical home $158,274 · -0.6% in a year · property tax 1.26%
The typical home in Adams County is worth $158,274, 33% less than the Iowa typical home ($236,623). Values changed -0.6% in the past year and +29.2% over five years. Homeowners here pay a median 1.26% of their home's value in property tax each year ($1,998 on the typical home), versus 1.27% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,655 | $126,619 | $852 | $0 | $246 | $1,097 | $47,000 |
| 10% down | $15,827 | $142,447 | $958 | $59 | $246 | $1,263 | $54,100 |
| 5% down | $7,914 | $150,361 | $1,011 | $63 | $246 | $1,320 | $56,600 |
| 3.5% down (FHA) | $5,540 | $155,408 | $1,045 | $70 | $246 | $1,361 | $58,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.26% 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 |
|---|---|---|---|
| Cherokee County | $158,629 | +0.7% | 0.99% |
| Audubon County | $159,348 | +7.2% | 1.34% |
| Winnebago County | $156,421 | +7.1% | 1.32% |
| Fayette County | $156,403 | +4.3% | 1.3% |
| Emmet County | $156,199 | +11.5% | 1.47% |
| Monona County | $160,962 | +2.3% | 1.03% |
| Union County | $161,122 | +3.6% | 1.8% |
| Franklin County | $155,229 | +6.2% | 1.32% |
| Humboldt County | $161,998 | +4.5% | 1.29% |
| Floyd County | $162,346 | +7.9% | 1.34% |
Frequently asked questions
What is the average home price in Adams County, IA?
The typical home value in Adams County is $158,274 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $47,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 1.26% of home value a year (Census ACS 2024 5-year estimates).