Cerro Gordo County, IA Average Home Price (2026)
The average home price in Cerro Gordo County, Iowa is about $220,500 (the 2026 median across 8 ZIP codes, at ~$102/sq ft) — 6% more expensive than the Iowa median and 24% more affordable than the typical U.S. home.
How Cerro Gordo County compares
Cerro Gordo County is about average for housing nationally: its typical home costs $220,500 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $159,000 to $393,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Cerro Gordo County | $220,500 | $102 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Cerro Gordo County home prices by ZIP code
The 8 most valuable ZIP codes in Cerro Gordo County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 50467 Rock Falls | $393,000 | $207 | +78% |
| 50428 Clear Lake | $340,000 | $256 | +54% |
| 50482 Ventura | $322,000 | $257 | +46% |
| 50433 Dougherty | $227,000 | $31 | +3% |
| 50469 Rockwell | $214,000 | $92 | -3% |
| 50464 Plymouth | $199,000 | $37 | -10% |
| 50401 Mason City | $160,000 | $112 | -27% |
| 50479 Thornton | $159,000 | $92 | -28% |
Home value appreciation in Cerro Gordo County
Home prices in Cerro Gordo County have risen about 64% over the last 10 years (≈5.1% a year) and +79.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.5% — still rising. A home worth $220,500 today was worth roughly $134,369 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 Cerro Gordo County
Run the numbers for Cerro Gordo County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Cerro Gordo County
To buy the typical $220,500 home in Cerro Gordo County with 20% down, you need a household income of roughly $60,000 a year (about $1,400 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $71,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,000 | $1,740/mo | $75,000/yr |
| 10% (+PMI) | $22,100 | $1,660/mo | $71,000/yr |
| 20% | $44,100 | $1,400/mo | $60,000/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 Cerro Gordo County
At about $102 per square foot, here is roughly how much home different budgets get you in Cerro Gordo County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1470 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1960 sq ft | around the typical home here |
| $250k | 2450 sq ft | around the typical home here |
| $300k | 2940 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3920 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 Cerro Gordo County
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Cerro Gordo 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.