Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$194,875+8.0% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$42,245About 0.6× the local median income ($69,967): affordable for a typical household
Days on market80 daysSlower than a year ago: buyers have time to negotiate
The typical home in O Brien County, IA is worth $194,875, up 8.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $155,492, so the area is 25.3% overvalued. It is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 15% from a year ago, 15% of listings have had a price cut. A household needs about $42,245 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 $69,967. In the latest IRS figures, 85 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
$194,875
Change in 1 year
+8.0%
Overvalued %
+25.3%
Show 6 more
Fair home value
$155,492
Change in 5 years
+38.4%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$1,056
Income needed to afford it
$42,245
Property tax rate
0.98%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+15.1%
Days on market
80
Listings with a price cut
15.2%
Show 3 more
Homes for sale
61
Pending sales per 100 listings
8
Asking price per sq ft
$121
People and jobs
Median household income
$69,967
Population change (1 year)
+0.2%
Unemployment rate
1.0%
Show 4 more
Population
14,220
Income adjusted for cost of living
$83,195
Net moves in (IRS)
−85
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
7.6
FEMA hazard risk score (0 to 100)
16.4
Flood risk score
18.5
Show 3 more
Wildfire risk score
12.7
Walkability (1 to 20)
7.1
Road, rail and air noise
53 dB
Questions people ask
Is O Brien County, IA overvalued?
Home prices in O Brien County, IA are well above what local incomes have historically supported: fair value is about $155,492, so the area is 25.3% overvalued.
Is O Brien County, IA a buyer's or seller's market?
O Brien County, IA is a balanced market, leaning toward buyers: homes take about 80 days to sell, listings are up 15% from a year ago, 15% of listings have had a price cut.
Are home prices going down in O Brien County, IA?
Home values in O Brien County, IA are up 8.0% over the last year.
How much do you need to earn to buy a home in O Brien County, IA?
A household needs about $42,245 a year to afford the typical home in O Brien County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $69,967.