Cherokee County, Iowa home prices
Typical home $158,629 · +0.7% in a year · property tax 0.99%
The typical home in Cherokee County is worth $158,629, 33% less than the Iowa typical home ($236,623). Values changed +0.7% in the past year and +20.8% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($1,568 on the typical home), versus 1.27% statewide.
Mortgage on the typical Cherokee County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,726 | $126,904 | $854 | $0 | $210 | $1,064 | $45,600 |
| 10% down | $15,863 | $142,766 | $960 | $59 | $210 | $1,230 | $52,700 |
| 5% down | $7,931 | $150,698 | $1,014 | $63 | $210 | $1,287 | $55,100 |
| 3.5% down (FHA) | $5,552 | $155,756 | $1,048 | $70 | $210 | $1,328 | $56,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 |
|---|---|---|---|
| Adams County | $158,274 | -0.6% | 1.26% |
| Audubon County | $159,348 | +7.2% | 1.34% |
| Winnebago County | $156,421 | +7.1% | 1.32% |
| Fayette County | $156,403 | +4.3% | 1.3% |
| Monona County | $160,962 | +2.3% | 1.03% |
| Emmet County | $156,199 | +11.5% | 1.47% |
| Union County | $161,122 | +3.6% | 1.8% |
| Humboldt County | $161,998 | +4.5% | 1.29% |
| Franklin County | $155,229 | +6.2% | 1.32% |
| Floyd County | $162,346 | +7.9% | 1.34% |
Frequently asked questions
What is the average home price in Cherokee County, IA?
The typical home value in Cherokee County is $158,629 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Cherokee County?
About $45,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Cherokee County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).