Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$161,998+4.5% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 13% have cut their price
Income needed to buy, per year$35,118About 0.5× the local median income ($75,434): affordable for a typical household
Days on market101 daysSlower than a year ago: buyers have time to negotiate
The typical home in Humboldt County, IA is worth $161,998, up 4.5% from a year ago. That is well above what local incomes have historically supported: fair value is about $144,860, so the area is 11.8% overvalued. It is a balanced market, leaning toward buyers: homes take about 101 days to sell, listings are up 23% from a year ago, 13% of listings have had a price cut. A household needs about $35,118 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 $75,434. Typical rent is $700 a month. In the latest IRS figures, 40 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
$161,998
Change in 1 year
+4.5%
Overvalued %
+11.8%
Show 6 more
Fair home value
$144,860
Change in 5 years
+21.7%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$878
Income needed to afford it
$35,118
Property tax rate
1.29%
Rent and investing
Typical rent
$700
Price-to-rent ratio
19.3×
HUD Fair Market Rent, 2 bedrooms
$927
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Gross rental yield
5.19%
Cap rate (estimate)
3.37%
Market activity
Listings vs a year ago
+23.1%
Days on market
101
Listings with a price cut
12.7%
Show 3 more
Homes for sale
48
Pending sales per 100 listings
19
Asking price per sq ft
$119
People and jobs
Median household income
$75,434
Population change (1 year)
−1.0%
Unemployment rate
5.0%
Show 4 more
Population
9,409
Income adjusted for cost of living
$89,696
Net moves in (IRS)
−40
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
6.9
FEMA hazard risk score (0 to 100)
24.1
Flood risk score
18.9
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Wildfire risk score
5.1
Walkability (1 to 20)
6.4
Road, rail and air noise
54 dB
Questions people ask
Is Humboldt County, IA overvalued?
Home prices in Humboldt County, IA are well above what local incomes have historically supported: fair value is about $144,860, so the area is 11.8% overvalued.
Is Humboldt County, IA a buyer's or seller's market?
Humboldt County, IA is a balanced market, leaning toward buyers: homes take about 101 days to sell, listings are up 23% from a year ago, 13% of listings have had a price cut.
Are home prices going down in Humboldt County, IA?
Home values in Humboldt County, IA are up 4.5% over the last year.
How much do you need to earn to buy a home in Humboldt County, IA?
A household needs about $35,118 a year to afford the typical home in Humboldt County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $75,434.