Jefferson County, Iowa home prices
Typical home $181,544 · +3.0% in a year · property tax 1.41%
The typical home in Jefferson County is worth $181,544, 23% less than the Iowa typical home ($236,623). Values changed +3.0% in the past year and +21.7% over five years. Homeowners here pay a median 1.41% of their home's value in property tax each year ($2,568 on the typical home), versus 1.27% statewide.
Mortgage on the typical Jefferson County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,309 | $145,235 | $977 | $0 | $305 | $1,282 | $54,900 |
| 10% down | $18,154 | $163,389 | $1,099 | $68 | $305 | $1,472 | $63,100 |
| 5% down | $9,077 | $172,467 | $1,160 | $72 | $305 | $1,537 | $65,900 |
| 3.5% down (FHA) | $6,354 | $178,256 | $1,199 | $80 | $305 | $1,584 | $67,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.41% 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 Fairfield metro area.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County | $181,487 | +6.7% | 1.53% |
| Crawford County | $181,286 | +5.1% | 1.28% |
| Hancock County | $182,064 | +2.9% | 1.18% |
| Fremont County | $182,656 | +9.3% | 1.21% |
| Ida County | $184,506 | +6.3% | 1.16% |
| Van Buren County | $185,789 | +4.3% | 1.18% |
| Black Hawk County | $185,880 | +0.4% | 1.5% |
| Buena Vista County | $186,332 | -0.2% | 1.21% |
| Ringgold County | $176,284 | +6.1% | 1.34% |
| Sac County | $175,121 | +12.0% | 1.1% |
Frequently asked questions
What is the average home price in Jefferson County, IA?
The typical home value in Jefferson County is $181,544 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Jefferson County?
About $54,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Jefferson County?
The median effective rate is 1.41% of home value a year (Census ACS 2024 5-year estimates).