Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$254,794+5.5% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$55,234About 0.7× the local median income ($84,970): affordable for a typical household
Days on market61 daysAbout the same pace as a year ago
The typical home in Cedar County, IA is worth $254,794, up 5.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $223,370, so the area is 14.1% overvalued. It is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut. A household needs about $55,234 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $84,970. In the latest IRS figures, 39 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$254,794
Change in 1 year
+5.5%
Overvalued %
+14.1%
Show 6 more
Fair home value
$223,370
Change in 5 years
+30.2%
Home value to income
3.0×
Monthly mortgage payment (20% down)
$1,381
Income needed to afford it
$55,234
Property tax rate
1.22%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$969
Market activity
Listings vs a year ago
+10.6%
Days on market
61
Listings with a price cut
15.3%
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Homes for sale
73
Pending sales per 100 listings
29
Asking price per sq ft
$143
People and jobs
Median household income
$84,970
Population change (1 year)
+0.4%
Unemployment rate
2.2%
Show 4 more
Population
18,359
Income adjusted for cost of living
$101,034
Net moves in (IRS)
+39
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
5.9
FEMA hazard risk score (0 to 100)
21.5
Flood risk score
27.6
Show 3 more
Wildfire risk score
31.8
Walkability (1 to 20)
6.1
Road, rail and air noise
54 dB
Questions people ask
Is Cedar County, IA overvalued?
Home prices in Cedar County, IA are well above what local incomes have historically supported: fair value is about $223,370, so the area is 14.1% overvalued.
Is Cedar County, IA a buyer's or seller's market?
Cedar County, IA is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Cedar County, IA?
Home values in Cedar County, IA are up 5.5% over the last year.
How much do you need to earn to buy a home in Cedar County, IA?
A household needs about $55,234 a year to afford the typical home in Cedar County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $84,970.