Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$173,554+4.0% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 14% have cut their price
Income needed to buy, per year$37,623About 0.5× the local median income ($72,753): affordable for a typical household
Days on market45 daysFaster than a year ago: sellers have the edge
The typical home in Louisa County, IA is worth $173,554, up 4.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $156,872, so the area is 10.6% overvalued. It is a balanced market, leaning toward buyers: homes take about 45 days to sell, listings are up 6% from a year ago, 14% of listings have had a price cut. A household needs about $37,623 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 $72,753. In the latest IRS figures, 65 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
$173,554
Change in 1 year
+4.0%
Overvalued %
+10.6%
Show 6 more
Fair home value
$156,872
Change in 5 years
+29.2%
Home value to income
2.4×
Monthly mortgage payment (20% down)
$941
Income needed to afford it
$37,623
Property tax rate
1.17%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+6.2%
Days on market
45
Listings with a price cut
13.8%
Show 3 more
Homes for sale
34
Pending sales per 100 listings
18
Asking price per sq ft
$119
People and jobs
Median household income
$72,753
Population change (1 year)
−1.4%
Unemployment rate
3.0%
Show 4 more
Population
10,416
Income adjusted for cost of living
$86,508
Net moves in (IRS)
−65
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
5.0
FEMA hazard risk score (0 to 100)
17.5
Flood risk score
20.9
Show 3 more
Wildfire risk score
35.2
Walkability (1 to 20)
5.7
Road, rail and air noise
54 dB
Questions people ask
Is Louisa County, IA overvalued?
Home prices in Louisa County, IA are well above what local incomes have historically supported: fair value is about $156,872, so the area is 10.6% overvalued.
Is Louisa County, IA a buyer's or seller's market?
Louisa County, IA is a balanced market, leaning toward buyers: homes take about 45 days to sell, listings are up 6% from a year ago, 14% of listings have had a price cut.
Are home prices going down in Louisa County, IA?
Home values in Louisa County, IA are up 4.0% over the last year.
How much do you need to earn to buy a home in Louisa County, IA?
A household needs about $37,623 a year to afford the typical home in Louisa County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $72,753.