Iowa Average Home Price by City (2026)
The average home price in Iowa (IA) is about $207,500 — the 2026 median, at ~$133/sq ft — 28% more affordable than the typical U.S. home.
Shaded by price · click a city to explore. Colour = median home value.
Considering a move to Iowa?
Housing in Iowa is 28% more affordable than the national average, with a typical home around $207,500 and a local rate near $133 per square foot. Among the 10 Iowa cities we track, Dubuque is the most expensive (median $343,000) and Waterloo is the most affordable (median $150,000) — so where you land in the state matters as much as the state itself.
Browse Iowa cities
Iowa home prices by county
57 Iowa counties with enough data for their own page, priciest first:
See the cheapest (and most expensive) places to live in Iowa.
Don’t see your city? Use the free Home Value Estimator for any U.S. ZIP, see the most expensive ZIP codes in America, or browse the full U.S. directory.
Home value appreciation in Iowa
Home prices in Iowa have risen about 65% over the last 10 years (≈5.2% a year) and +82.3% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.2% — still rising. A home worth $207,500 today was worth roughly $125,453 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — nationally the median state is +85.6% over 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Iowa
Run the numbers for Iowa with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Iowa
To buy the typical $207,500 home in Iowa with 20% down, you need a household income of roughly $56,000 a year (about $1,320 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $67,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,400 | $1,640/mo | $70,000/yr |
| 10% (+PMI) | $20,800 | $1,570/mo | $67,000/yr |
| 20% | $41,500 | $1,320/mo | $56,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Iowa
At about $133 per square foot, here is roughly how much home different budgets get you in Iowa:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1500 sq ft | around the typical home here |
| $250k | 1880 sq ft | around the typical home here |
| $300k | 2260 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3010 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Iowa so you can compare your current home against every Iowa city we track.