Guthrie County, Iowa home prices
Typical home $273,068 · +5.7% in a year · property tax 1.22%
The typical home in Guthrie County is worth $273,068, 15% more than the Iowa typical home ($236,623). Values changed +5.7% in the past year and +30.4% over five years. Homeowners here pay a median 1.22% of their home's value in property tax each year ($3,334 on the typical home), versus 1.27% statewide.
Mortgage on the typical Guthrie County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,614 | $218,454 | $1,470 | $0 | $414 | $1,884 | $80,700 |
| 10% down | $27,307 | $245,761 | $1,653 | $102 | $414 | $2,170 | $93,000 |
| 5% down | $13,653 | $259,414 | $1,745 | $108 | $414 | $2,268 | $97,200 |
| 3.5% down (FHA) | $9,557 | $268,122 | $1,804 | $121 | $414 | $2,339 | $100,200 |
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 · part of the Des Moines metro area.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $271,088 | +2.9% | 1.22% |
| Dubuque County | $277,182 | +4.3% | 1.23% |
| Polk County | $279,097 | +0.2% | 1.68% |
| Lyon County | $266,451 | +12.2% | 0.87% |
| Mills County | $280,495 | +3.2% | 1.47% |
| Benton County | $282,938 | +9.5% | 1.31% |
| Allamakee County | $262,926 | +7.6% | 1.27% |
| Clayton County | $287,556 | +13.2% | 1.29% |
| Bremer County | $258,393 | +1.9% | 1.29% |
| Cedar County | $254,794 | +5.5% | 1.22% |
Frequently asked questions
What is the average home price in Guthrie County, IA?
The typical home value in Guthrie County is $273,068 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Guthrie County?
About $80,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Guthrie County?
The median effective rate is 1.22% of home value a year (Census ACS 2024 5-year estimates).