Tama County, Iowa home prices
Typical home $172,586 · +1.7% in a year · property tax 1.37%
The typical home in Tama County is worth $172,586, 27% less than the Iowa typical home ($236,623). Values changed +1.7% in the past year and +26.0% over five years. Homeowners here pay a median 1.37% of their home's value in property tax each year ($2,373 on the typical home), versus 1.27% statewide.
Mortgage on the typical Tama County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $34,517 | $138,069 | $929 | $0 | $284 | $1,213 | $52,000 |
| 10% down | $17,259 | $155,328 | $1,045 | $65 | $284 | $1,394 | $59,700 |
| 5% down | $8,629 | $163,957 | $1,103 | $68 | $284 | $1,455 | $62,400 |
| 3.5% down (FHA) | $6,041 | $169,460 | $1,140 | $76 | $284 | $1,500 | $64,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.37% 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 |
|---|---|---|---|
| Osceola County | $172,227 | +7.9% | 1.13% |
| Monroe County | $173,200 | +4.9% | 1.37% |
| Louisa County | $173,554 | +4.0% | 1.17% |
| Hamilton County | $171,544 | +3.3% | 1.26% |
| Lucas County | $173,859 | +1.4% | 1.37% |
| Greene County | $174,191 | +3.5% | 1.15% |
| Kossuth County | $170,807 | +1.5% | 1% |
| Palo Alto County | $170,587 | +3.5% | 1.2% |
| Sac County | $175,121 | +12.0% | 1.1% |
| Decatur County | $168,940 | +11.6% | 1.61% |
Frequently asked questions
What is the average home price in Tama County, IA?
The typical home value in Tama County is $172,586 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Tama County?
About $52,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Tama County?
The median effective rate is 1.37% of home value a year (Census ACS 2024 5-year estimates).