Cedar County, IA Average Home Price (2026)
The average home price in Cedar County, Iowa is about $234,000 (the 2026 median across 9 ZIP codes, at ~$149/sq ft) — 13% more expensive than the Iowa median and 19% more affordable than the typical U.S. home.
How Cedar County compares
Cedar County is about average for housing nationally: its typical home costs $234,000 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $182,000 to $312,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cedar County | $234,000 | $149 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Cedar County home prices by ZIP code
The 9 most valuable ZIP codes in Cedar County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 52253 Lisbon | $312,000 | $151 | +33% |
| 52358 West Branch | $299,000 | $153 | +28% |
| 52721 Bennett | $247,000 | $129 | +6% |
| 52772 Tipton | $243,000 | $148 | +4% |
| 52778 Wilton | $234,000 | $149 | +0% |
| 52306 Mechanicsville | $224,000 | $158 | -4% |
| 52216 Clarence | $200,000 | $158 | -15% |
| 52255 Lowden | $191,000 | $117 | -18% |
| 52337 Stanwood | $182,000 | $120 | -22% |
Home value appreciation in Cedar County
Home prices in Cedar County have risen about 70% over the last 10 years (≈5.4% a year) and +88.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +5.0% — still rising. A home worth $234,000 today was worth roughly $137,809 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 Cedar County
Run the numbers for Cedar County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cedar County
To buy the typical $234,000 home in Cedar County with 20% down, you need a household income of roughly $64,000 a year (about $1,490 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $76,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,700 | $1,850/mo | $79,000/yr |
| 10% (+PMI) | $23,400 | $1,770/mo | $76,000/yr |
| 20% | $46,800 | $1,490/mo | $64,000/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 Cedar County
At about $149 per square foot, here is roughly how much home different budgets get you in Cedar County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1010 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1340 sq ft | around the typical home here |
| $250k | 1680 sq ft | around the typical home here |
| $300k | 2010 sq ft | around the typical home here |
| $400k | 2680 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 Cedar County
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Cedar 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.