Madison County, IA Average Home Price (2026)
The average home price in Madison County, Iowa is about $330,000 (the 2026 median across 11 ZIP codes, at ~$270/sq ft) — 59% more expensive than the Iowa median and 14% more expensive than the typical U.S. home.
How Madison County compares
Madison County is about average for housing nationally: its typical home costs $330,000 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $103,000 to $605,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Madison County | $330,000 | $270 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Madison County home prices by ZIP code
The 11 most valuable ZIP codes in Madison County (of 11 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 50061 Cumming | $605,000 | $330 | +83% |
| 50261 Van Meter | $425,000 | $270 | +29% |
| 50218 Patterson | $399,000 | $210 | +21% |
| 50240 Saint Charles | $398,000 | $329 | +21% |
| 50072 Earlham | $362,000 | $369 | +10% |
| 50222 Peru | $330,000 | $205 | +0% |
| 50273 Winterset | $295,000 | $195 | -11% |
| 50257 Truro | $293,000 | $145 | -11% |
| 50149 Lorimor | $268,000 | $344 | -19% |
| 50070 Dexter | $240,000 | $387 | -27% |
| 50155 Macksburg | $103,000 | $54 | -69% |
Home value appreciation in Madison County
Home prices in Madison County have risen about 74% over the last 10 years (≈5.7% a year) and +86.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +0.4% — roughly flat. A home worth $330,000 today was worth roughly $189,546 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 Madison County
Run the numbers for Madison County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Madison County
To buy the typical $330,000 home in Madison County with 20% down, you need a household income of roughly $90,000 a year (about $2,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $107,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,500 | $2,600/mo | $112,000/yr |
| 10% (+PMI) | $33,000 | $2,490/mo | $107,000/yr |
| 20% | $66,000 | $2,090/mo | $90,000/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 Madison County
At about $270 per square foot, here is roughly how much home different budgets get you in Madison County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 560 sq ft | below the local median — condos, smaller or older homes |
| $200k | 740 sq ft | below the local median — condos, smaller or older homes |
| $250k | 930 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1110 sq ft | around the typical home here |
| $400k | 1480 sq ft | around the typical home here |
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 Madison County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Madison County home prices: frequently asked
What is the average home price in Madison County, IA? +
What salary do you need to buy a house in Madison County? +
Which part of Madison County is most expensive? +
Are home values in Madison County going up? +
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.