Humboldt County, IA Average Home Price (2026)
The average home price in Humboldt County, Iowa is about $138,500 (the 2026 median across 10 ZIP codes, at ~$108/sq ft) — 33% more affordable than the Iowa median and 52% more affordable than the typical U.S. home.
How Humboldt County compares
Humboldt County is relatively affordable for housing nationally: its typical home costs $138,500 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $107,000 to $420,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Humboldt County | $138,500 | $108 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Humboldt County home prices by ZIP code
The 10 most valuable ZIP codes in Humboldt County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 50570 Ottosen | $420,000 | $221 | +203% |
| 50520 Bradgate | $213,000 | $112 | +54% |
| 50548 Humboldt | $188,000 | $117 | +36% |
| 50545 Hardy | $185,000 | $97 | +34% |
| 50519 Bode | $143,000 | $65 | +3% |
| 50529 Dakota City | $134,000 | $56 | -3% |
| 50558 Livermore | $127,000 | $135 | -8% |
| 50591 Thor | $123,000 | $104 | -11% |
| 50577 Renwick | $110,000 | $33 | -21% |
| 50582 Rutland | $107,000 | $143 | -23% |
Home value appreciation in Humboldt County
Home prices in Humboldt County have risen about 49% over the last 10 years (≈4.1% a year) and +76.9% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +2.9% — still rising. A home worth $138,500 today was worth roughly $92,828 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 Humboldt County
Run the numbers for Humboldt County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Humboldt County
To buy the typical $138,500 home in Humboldt County with 20% down, you need a household income of roughly $38,000 a year (about $880 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $45,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $6,900 | $1,090/mo | $47,000/yr |
| 10% (+PMI) | $13,900 | $1,040/mo | $45,000/yr |
| 20% | $27,700 | $880/mo | $38,000/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 Humboldt County
At about $108 per square foot, here is roughly how much home different budgets get you in Humboldt County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1390 sq ft | around the typical home here |
| $200k | 1850 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2310 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2780 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 Humboldt County
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Humboldt 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.