O Brien County, Iowa home prices
Typical home $194,875 · +8.0% in a year · property tax 0.98%
The typical home in O Brien County is worth $194,875, 18% less than the Iowa typical home ($236,623). Values changed +8.0% in the past year and +38.4% over five years. Homeowners here pay a median 0.98% of their home's value in property tax each year ($1,915 on the typical home), versus 1.27% statewide.
Mortgage on the typical O Brien County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $38,975 | $155,900 | $1,049 | $0 | $257 | $1,306 | $56,000 |
| 10% down | $19,487 | $175,387 | $1,180 | $73 | $257 | $1,510 | $64,700 |
| 5% down | $9,744 | $185,131 | $1,245 | $77 | $257 | $1,580 | $67,700 |
| 3.5% down (FHA) | $6,821 | $191,345 | $1,287 | $86 | $257 | $1,630 | $69,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% 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 |
|---|---|---|---|
| Clay County | $195,966 | +4.2% | 1.15% |
| Henry County | $192,451 | +6.2% | 1.56% |
| Clarke County | $197,299 | +2.6% | 1.6% |
| Marshall County | $192,339 | +3.6% | 1.42% |
| Adair County | $197,786 | +8.4% | 1.28% |
| Worth County | $190,414 | +4.6% | 1.1% |
| Butler County | $190,215 | +4.8% | 1.35% |
| Mahaska County | $200,948 | +8.5% | 1.32% |
| Buena Vista County | $186,332 | -0.2% | 1.21% |
| Black Hawk County | $185,880 | +0.4% | 1.5% |
Frequently asked questions
What is the average home price in O Brien County, IA?
The typical home value in O Brien County is $194,875 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in O Brien County?
About $56,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in O Brien County?
The median effective rate is 0.98% of home value a year (Census ACS 2024 5-year estimates).