Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$162,346+7.9% YoY · prices are rising fast
Market right nowBalanced marketMore homes for sale than last year, 10% have cut their price
Income needed to buy, per year$35,193About 0.5× the local median income ($71,848): affordable for a typical household
Days on market59 daysFaster than a year ago: sellers have the edge
The typical home in Floyd County, IA is worth $162,346, up 7.9% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $169,388, so the area is 4.2% undervalued. It is a balanced market: homes take about 59 days to sell, listings are up 36% from a year ago, 10% of listings have had a price cut. A household needs about $35,193 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 $71,848. In the latest IRS figures, 116 more people moved out than in.
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
$162,346
Change in 1 year
+7.9%
Overvalued %
−4.2%
Show 6 more
Fair home value
$169,388
Change in 5 years
+25.1%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$880
Income needed to afford it
$35,193
Property tax rate
1.34%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+36.1%
Days on market
59
Listings with a price cut
10.5%
Show 3 more
Homes for sale
49
Pending sales per 100 listings
31
Asking price per sq ft
$103
People and jobs
Median household income
$71,848
Population change (1 year)
−1.2%
Unemployment rate
3.3%
Show 4 more
Population
14,901
Income adjusted for cost of living
$85,432
Net moves in (IRS)
−116
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
3.9
FEMA hazard risk score (0 to 100)
47.7
Flood risk score
56.3
Show 3 more
Wildfire risk score
28.8
Walkability (1 to 20)
5.9
Road, rail and air noise
54 dB
Questions people ask
Is Floyd County, IA overvalued?
Home prices in Floyd County, IA are slightly below what local incomes have historically supported: fair value is about $169,388, so the area is 4.2% undervalued.
Is Floyd County, IA a buyer's or seller's market?
Floyd County, IA is a balanced market: homes take about 59 days to sell, listings are up 36% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Floyd County, IA?
Home values in Floyd County, IA are up 7.9% over the last year.
How much do you need to earn to buy a home in Floyd County, IA?
A household needs about $35,193 a year to afford the typical home in Floyd County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,848.