Winnebago County, Iowa home prices
Typical home $156,421 · +7.1% in a year · property tax 1.32%
The typical home in Winnebago County is worth $156,421, 34% less than the Iowa typical home ($236,623). Values changed +7.1% in the past year and +17.5% over five years. Homeowners here pay a median 1.32% of their home's value in property tax each year ($2,064 on the typical home), versus 1.27% statewide.
Mortgage on the typical Winnebago County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $31,284 | $125,137 | $842 | $0 | $250 | $1,092 | $46,800 |
| 10% down | $15,642 | $140,779 | $947 | $59 | $250 | $1,256 | $53,800 |
| 5% down | $7,821 | $148,600 | $1,000 | $62 | $250 | $1,312 | $56,200 |
| 3.5% down (FHA) | $5,475 | $153,588 | $1,033 | $69 | $250 | $1,353 | $58,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.32% 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 |
|---|---|---|---|
| Fayette County | $156,403 | +4.3% | 1.3% |
| Emmet County | $156,199 | +11.5% | 1.47% |
| Franklin County | $155,229 | +6.2% | 1.32% |
| Adams County | $158,274 | -0.6% | 1.26% |
| Cherokee County | $158,629 | +0.7% | 0.99% |
| Calhoun County | $153,847 | +9.8% | 1.32% |
| Audubon County | $159,348 | +7.2% | 1.34% |
| Monona County | $160,962 | +2.3% | 1.03% |
| Union County | $161,122 | +3.6% | 1.8% |
| Humboldt County | $161,998 | +4.5% | 1.29% |
Frequently asked questions
What is the average home price in Winnebago County, IA?
The typical home value in Winnebago County is $156,421 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Winnebago County?
About $46,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Winnebago County?
The median effective rate is 1.32% of home value a year (Census ACS 2024 5-year estimates).