Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$171,544+3.3% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 18% have cut their price
Income needed to buy, per year$37,187About 0.5× the local median income ($76,054): affordable for a typical household
Days on market76 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hamilton County, IA is worth $171,544, up 3.3% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $157,225, so the area is 9.1% overvalued. It is a seller's market: homes take about 76 days to sell, listings are down 11% from a year ago, 18% of listings have had a price cut. A household needs about $37,187 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 $76,054. In the latest IRS figures, 129 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
$171,544
Change in 1 year
+3.3%
Overvalued %
+9.1%
Show 6 more
Fair home value
$157,225
Change in 5 years
+33.3%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$930
Income needed to afford it
$37,187
Property tax rate
1.26%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,004
Market activity
Listings vs a year ago
−10.6%
Days on market
76
Listings with a price cut
17.8%
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Homes for sale
59
Pending sales per 100 listings
47
Asking price per sq ft
$116
People and jobs
Median household income
$76,054
Population change (1 year)
−0.4%
Unemployment rate
4.8%
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Population
14,944
Income adjusted for cost of living
$90,433
Net moves in (IRS)
−129
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)
42.9
Flood risk score
41.0
Show 3 more
Wildfire risk score
13.5
Walkability (1 to 20)
6.1
Road, rail and air noise
53 dB
Questions people ask
Is Hamilton County, IA overvalued?
Home prices in Hamilton County, IA are slightly above what local incomes have historically supported: fair value is about $157,225, so the area is 9.1% overvalued.
Is Hamilton County, IA a buyer's or seller's market?
Hamilton County, IA is a seller's market: homes take about 76 days to sell, listings are down 11% from a year ago, 18% of listings have had a price cut.
Are home prices going down in Hamilton County, IA?
Home values in Hamilton County, IA are up 3.3% over the last year.
How much do you need to earn to buy a home in Hamilton County, IA?
A household needs about $37,187 a year to afford the typical home in Hamilton County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $76,054.