Iowa home prices and mortgage costs
Typical home value $236,623 · +3.3% in a year · property tax 1.27%
Typical home value
$236,623
Payment (20% down)
$1,643
Income needed
$70,400
Iowa ranks 45th most expensive of 51 states and D.C. Home values changed +3.3% over the past year and +25.9% over five years. Buying the typical home with 20% down costs about $1,643 a month at 7.11%, which needs a household income of about $70,400.
Cost of the typical Iowa home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $47,325 | $189,298 | $1,273 | $0 | $369 | $1,643 | $70,400 |
| 10% down | $23,662 | $212,961 | $1,433 | $89 | $369 | $1,890 | $81,000 |
| 5% down | $11,831 | $224,792 | $1,512 | $94 | $369 | $1,975 | $84,600 |
| 3.5% down (FHA) | $8,282 | $232,337 | $1,563 | $105 | $369 | $2,037 | $87,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.27% 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.
Check a specific budget: how much house you can afford in Iowa by salary · payment on a $250K home in Iowa
Home prices by county in Iowa
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Dickinson County | $384,118 | +1.7% | 0.92% | $2,555 | $109,500 |
| Dallas County | $355,003 | -0.5% | 1.41% | $2,504 | $107,300 |
| Madison County | $333,666 | +1.7% | 1.48% | $2,374 | $101,700 |
| Warren County | $323,570 | +1.9% | 1.43% | $2,290 | $98,100 |
| Winneshiek County | $315,887 | +3.5% | 1.12% | $2,152 | $92,200 |
| Johnson County | $309,187 | +2.8% | 1.52% | $2,209 | $94,700 |
| Sioux County | $308,457 | +3.6% | 1.12% | $2,102 | $90,100 |
| Plymouth County | $292,290 | +5.5% | 1.07% | $1,980 | $84,900 |
| Story County | $292,064 | +2.7% | 1.4% | $2,060 | $88,300 |
| Clayton County | $287,556 | +13.2% | 1.29% | $2,001 | $85,800 |
| Benton County | $282,938 | +9.5% | 1.31% | $1,973 | $84,600 |
| Mills County | $280,495 | +3.2% | 1.47% | $1,993 | $85,400 |
| Polk County | $279,097 | +0.2% | 1.68% | $2,032 | $87,100 |
| Dubuque County | $277,182 | +4.3% | 1.23% | $1,914 | $82,000 |
| Guthrie County | $273,068 | +5.7% | 1.22% | $1,884 | $80,700 |
| Marion County | $271,088 | +2.9% | 1.22% | $1,871 | $80,200 |
| Lyon County | $266,451 | +12.2% | 0.87% | $1,760 | $75,400 |
| Allamakee County | $262,926 | +7.6% | 1.27% | $1,825 | $78,200 |
| Bremer County | $258,393 | +1.9% | 1.29% | $1,797 | $77,000 |
| Cedar County | $254,794 | +5.5% | 1.22% | $1,757 | $75,300 |
| Scott County | $250,205 | +5.3% | 1.47% | $1,779 | $76,200 |
| Delaware County | $243,977 | +4.2% | 1.34% | $1,707 | $73,200 |
| Linn County | $242,923 | +3.0% | 1.66% | $1,764 | $75,600 |
| Jones County | $241,542 | +7.8% | 1.33% | $1,688 | $72,300 |
| Pottawattamie County | $240,980 | +3.0% | 1.57% | $1,732 | $74,200 |
| Jackson County | $238,489 | +5.5% | 1.23% | $1,648 | $70,600 |
| Washington County | $236,044 | +5.4% | 1.37% | $1,657 | $71,000 |
| Iowa County | $233,726 | +4.6% | 1.36% | $1,639 | $70,200 |
| Boone County | $232,390 | +2.6% | 1.37% | $1,632 | $69,900 |
| Davis County | $232,165 | +2.0% | 1.4% | $1,637 | $70,100 |
| Jasper County | $229,091 | +4.2% | 1.41% | $1,617 | $69,300 |
| Harrison County | $223,581 | +4.6% | 1.32% | $1,561 | $66,900 |
| Poweshiek County | $223,287 | +7.8% | 1.22% | $1,541 | $66,000 |
| Grundy County | $218,375 | +2.0% | 1.14% | $1,492 | $64,000 |
| Chickasaw County | $216,973 | +5.1% | 1.02% | $1,461 | $62,600 |
| Buchanan County | $215,302 | +4.7% | 1.36% | $1,510 | $64,700 |
| Mitchell County | $213,898 | +4.1% | 1.1% | $1,453 | $62,300 |
| Shelby County | $212,688 | +4.2% | 1.28% | $1,477 | $63,300 |
| Carroll County | $212,289 | +6.1% | 1.09% | $1,441 | $61,800 |
| Woodbury County | $207,499 | +2.8% | 1.45% | $1,471 | $63,000 |
| Muscatine County | $205,712 | +5.6% | 1.5% | $1,467 | $62,900 |
| Cerro Gordo County | $204,868 | +3.0% | 1.45% | $1,452 | $62,200 |
| Howard County | $204,056 | +9.3% | 1.25% | $1,413 | $60,600 |
| Mahaska County | $200,948 | +8.5% | 1.32% | $1,402 | $60,100 |
| Adair County | $197,786 | +8.4% | 1.28% | $1,374 | $58,900 |
| Clarke County | $197,299 | +2.6% | 1.6% | $1,424 | $61,000 |
| Clay County | $195,966 | +4.2% | 1.15% | $1,340 | $57,400 |
| O Brien County | $194,875 | +8.0% | 0.98% | $1,306 | $56,000 |
| Henry County | $192,451 | +6.2% | 1.56% | $1,382 | $59,200 |
| Marshall County | $192,339 | +3.6% | 1.42% | $1,359 | $58,200 |
| Worth County | $190,414 | +4.6% | 1.1% | $1,294 | $55,500 |
| Butler County | $190,215 | +4.8% | 1.35% | $1,332 | $57,100 |
| Buena Vista County | $186,332 | -0.2% | 1.21% | $1,284 | $55,000 |
| Black Hawk County | $185,880 | +0.4% | 1.5% | $1,326 | $56,800 |
| Van Buren County | $185,789 | +4.3% | 1.18% | $1,276 | $54,700 |
| Ida County | $184,506 | +6.3% | 1.16% | $1,263 | $54,100 |
| Fremont County | $182,656 | +9.3% | 1.21% | $1,258 | $53,900 |
| Hancock County | $182,064 | +2.9% | 1.18% | $1,250 | $53,600 |
| Jefferson County | $181,544 | +3.0% | 1.41% | $1,282 | $54,900 |
| Clinton County | $181,487 | +6.7% | 1.53% | $1,299 | $55,700 |
| Crawford County | $181,286 | +5.1% | 1.28% | $1,260 | $54,000 |
| Ringgold County | $176,284 | +6.1% | 1.34% | $1,234 | $52,900 |
| Sac County | $175,121 | +12.0% | 1.1% | $1,191 | $51,000 |
| Greene County | $174,191 | +3.5% | 1.15% | $1,191 | $51,000 |
| Lucas County | $173,859 | +1.4% | 1.37% | $1,221 | $52,300 |
| Louisa County | $173,554 | +4.0% | 1.17% | $1,190 | $51,000 |
| Monroe County | $173,200 | +4.9% | 1.37% | $1,217 | $52,200 |
| Tama County | $172,586 | +1.7% | 1.37% | $1,213 | $52,000 |
| Osceola County | $172,227 | +7.9% | 1.13% | $1,175 | $50,400 |
| Hamilton County | $171,544 | +3.3% | 1.26% | $1,190 | $51,000 |
| Kossuth County | $170,807 | +1.5% | 1% | $1,148 | $49,200 |
| Palo Alto County | $170,587 | +3.5% | 1.2% | $1,173 | $50,300 |
| Decatur County | $168,940 | +11.6% | 1.61% | $1,220 | $52,300 |
| Cass County | $164,193 | +4.8% | 1.34% | $1,150 | $49,300 |
| Floyd County | $162,346 | +7.9% | 1.34% | $1,137 | $48,700 |
| Humboldt County | $161,998 | +4.5% | 1.29% | $1,127 | $48,300 |
| Union County | $161,122 | +3.6% | 1.8% | $1,189 | $51,000 |
| Monona County | $160,962 | +2.3% | 1.03% | $1,084 | $46,500 |
| Audubon County | $159,348 | +7.2% | 1.34% | $1,115 | $47,800 |
| Cherokee County | $158,629 | +0.7% | 0.99% | $1,064 | $45,600 |
| Adams County | $158,274 | -0.6% | 1.26% | $1,097 | $47,000 |
| Winnebago County | $156,421 | +7.1% | 1.32% | $1,092 | $46,800 |
| Fayette County | $156,403 | +4.3% | 1.3% | $1,090 | $46,700 |
| Emmet County | $156,199 | +11.5% | 1.47% | $1,110 | $47,600 |
| Franklin County | $155,229 | +6.2% | 1.32% | $1,083 | $46,400 |
| Calhoun County | $153,847 | +9.8% | 1.32% | $1,074 | $46,000 |
| Page County | $150,044 | +2.6% | 1.41% | $1,059 | $45,400 |
| Des Moines County | $147,927 | +2.7% | 1.51% | $1,056 | $45,300 |
| Hardin County | $145,267 | +1.2% | 1.37% | $1,021 | $43,700 |
| Keokuk County | $143,138 | +5.1% | 1.26% | $992 | $42,500 |
| Taylor County | $141,844 | +13.7% | 1.26% | $984 | $42,200 |
| Wayne County | $140,476 | +5.2% | 1.36% | $985 | $42,200 |
| Montgomery County | $139,432 | -4.6% | 1.65% | $1,012 | $43,400 |
| Webster County | $138,265 | +1.1% | 1.39% | $973 | $41,700 |
| Wright County | $132,781 | -0.0% | 1.51% | $948 | $40,600 |
| Wapello County | $127,798 | +2.4% | 1.58% | $920 | $39,400 |
| Lee County | $124,938 | +1.9% | 1.38% | $879 | $37,700 |
| Appanoose County | $116,296 | -2.6% | 1.34% | $814 | $34,900 |
| Pocahontas County | $99,888 | -8.4% | 1.13% | $682 | $29,200 |
Metro areas in Iowa
Frequently asked questions
What is the average home price in Iowa?
The typical home in Iowa is worth $236,623 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Iowa?
About $70,400 a year to buy the typical $236,623 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Iowa?
The typical effective rate is 1.27% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).