Black Hawk County, IA Average Home Price (2026)
The average home price in Black Hawk County, Iowa is about $239,000 (the 2026 median across 11 ZIP codes, at ~$140/sq ft) — 15% more expensive than the Iowa median and 17% more affordable than the typical U.S. home.
How Black Hawk County compares
Black Hawk County is about average for housing nationally: its typical home costs $239,000 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $93,000 to $278,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Black Hawk County | $239,000 | $140 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Cities in Black Hawk County
Cities with their own home-value page, largest first:
Black Hawk County home prices by ZIP code
The 11 most valuable ZIP codes in Black Hawk County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 50643 Hudson | $278,000 | $178 | +16% |
| 50613 Cedar Falls | $266,000 | $181 | +11% |
| 50648 Jesup | $264,000 | $140 | +10% |
| 50667 Raymond | $240,000 | $130 | +0% |
| 50626 Dunkerton | $239,000 | $152 | +0% |
| 50651 La Porte City | $239,000 | $115 | +0% |
| 50634 Gilbertville | $214,000 | $130 | -10% |
| 50701 Waterloo | $186,000 | $143 | -22% |
| 50707 Evansdale | $156,000 | $143 | -35% |
| 50702 Waterloo | $150,000 | $128 | -37% |
| 50703 Waterloo | $93,000 | $111 | -61% |
Home value appreciation in Black Hawk County
Home prices in Black Hawk County have risen about 50% over the last 10 years (≈4.1% a year) and +67.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $239,000 today was worth roughly $159,759 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Iowa is +65.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Black Hawk County
Run the numbers for Black Hawk County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Black Hawk County
To buy the typical $239,000 home in Black Hawk County with 20% down, you need a household income of roughly $65,000 a year (about $1,520 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $77,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,000 | $1,890/mo | $81,000/yr |
| 10% (+PMI) | $23,900 | $1,800/mo | $77,000/yr |
| 20% | $47,800 | $1,520/mo | $65,000/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 Black Hawk County
At about $140 per square foot, here is roughly how much home different budgets get you in Black Hawk County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1070 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1430 sq ft | around the typical home here |
| $250k | 1790 sq ft | around the typical home here |
| $300k | 2140 sq ft | around the typical home here |
| $400k | 2860 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.
Estimate a specific home in Black Hawk County
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Black Hawk County home prices: frequently asked
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Browse all Iowa cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.