Cedar County, Iowa home prices
Typical home $254,794 · +5.5% in a year · property tax 1.22%
The typical home in Cedar County is worth $254,794, 8% more than the Iowa typical home ($236,623). Values changed +5.5% in the past year and +30.2% over five years. Homeowners here pay a median 1.22% of their home's value in property tax each year ($3,097 on the typical home), versus 1.27% statewide.
Mortgage on the typical Cedar County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,959 | $203,835 | $1,371 | $0 | $385 | $1,757 | $75,300 |
| 10% down | $25,479 | $229,314 | $1,543 | $96 | $385 | $2,024 | $86,700 |
| 5% down | $12,740 | $242,054 | $1,628 | $101 | $385 | $2,115 | $90,600 |
| 3.5% down (FHA) | $8,918 | $250,179 | $1,683 | $113 | $385 | $2,181 | $93,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.22% 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 |
|---|---|---|---|
| Bremer County | $258,393 | +1.9% | 1.29% |
| Scott County | $250,205 | +5.3% | 1.47% |
| Allamakee County | $262,926 | +7.6% | 1.27% |
| Delaware County | $243,977 | +4.2% | 1.34% |
| Lyon County | $266,451 | +12.2% | 0.87% |
| Linn County | $242,923 | +3.0% | 1.66% |
| Jones County | $241,542 | +7.8% | 1.33% |
| Pottawattamie County | $240,980 | +3.0% | 1.57% |
| Marion County | $271,088 | +2.9% | 1.22% |
| Jackson County | $238,489 | +5.5% | 1.23% |
Frequently asked questions
What is the average home price in Cedar County, IA?
The typical home value in Cedar County is $254,794 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cedar County?
About $75,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cedar County?
The median effective rate is 1.22% of home value a year (Census ACS 2024 5-year estimates).