Black Hawk County, Iowa home prices
Typical home $185,880 · +0.4% in a year · property tax 1.5%
The typical home in Black Hawk County is worth $185,880, 21% less than the Iowa typical home ($236,623). Values changed +0.4% in the past year and +25.1% over five years. Homeowners here pay a median 1.5% of their home's value in property tax each year ($2,797 on the typical home), versus 1.27% statewide.
Mortgage on the typical Black Hawk County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,176 | $148,704 | $1,000 | $0 | $326 | $1,326 | $56,800 |
| 10% down | $18,588 | $167,292 | $1,125 | $70 | $326 | $1,521 | $65,200 |
| 5% down | $9,294 | $176,586 | $1,188 | $74 | $326 | $1,587 | $68,000 |
| 3.5% down (FHA) | $6,506 | $182,513 | $1,228 | $82 | $326 | $1,636 | $70,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.5% 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 · part of the Waterloo metro area.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Van Buren County | $185,789 | +4.3% | 1.18% |
| Buena Vista County | $186,332 | -0.2% | 1.21% |
| Ida County | $184,506 | +6.3% | 1.16% |
| Fremont County | $182,656 | +9.3% | 1.21% |
| Hancock County | $182,064 | +2.9% | 1.18% |
| Butler County | $190,215 | +4.8% | 1.35% |
| Jefferson County | $181,544 | +3.0% | 1.41% |
| Clinton County | $181,487 | +6.7% | 1.53% |
| Worth County | $190,414 | +4.6% | 1.1% |
| Crawford County | $181,286 | +5.1% | 1.28% |
Frequently asked questions
What is the average home price in Black Hawk County, IA?
The typical home value in Black Hawk County is $185,880 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Black Hawk County?
About $56,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Black Hawk County?
The median effective rate is 1.5% of home value a year (Census ACS 2024 5-year estimates).