Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$172,227+7.9% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 0% have cut their price
Income needed to buy, per year$37,335About 0.5× the local median income ($73,397): affordable for a typical household
Days on market73 daysSlower than a year ago: buyers have time to negotiate
The typical home in Osceola County, IA is worth $172,227, up 7.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $137,695, so the area is 25.1% overvalued. It is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 70% from a year ago, 0% of listings have had a price cut. A household needs about $37,335 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 $73,397. In the latest IRS figures, 53 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
$172,227
Change in 1 year
+7.9%
Overvalued %
+25.1%
Show 6 more
Fair home value
$137,695
Change in 5 years
+36.4%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$933
Income needed to afford it
$37,335
Property tax rate
1.13%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$927
Market activity
Listings vs a year ago
+70.0%
Days on market
73
Listings with a price cut
0.0%
Show 3 more
Homes for sale
17
Pending sales per 100 listings
24
Asking price per sq ft
$116
People and jobs
Median household income
$73,397
Population change (1 year)
−0.5%
Unemployment rate
3.4%
Show 4 more
Population
5,980
Income adjusted for cost of living
$87,273
Net moves in (IRS)
−53
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
6.8
FEMA hazard risk score (0 to 100)
14.9
Flood risk score
14.9
Show 3 more
Wildfire risk score
12.9
Walkability (1 to 20)
5.5
Road, rail and air noise
54 dB
Questions people ask
Is Osceola County, IA overvalued?
Home prices in Osceola County, IA are well above what local incomes have historically supported: fair value is about $137,695, so the area is 25.1% overvalued.
Is Osceola County, IA a buyer's or seller's market?
Osceola County, IA is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 70% from a year ago, 0% of listings have had a price cut.
Are home prices going down in Osceola County, IA?
Home values in Osceola County, IA are up 7.9% over the last year.
How much do you need to earn to buy a home in Osceola County, IA?
A household needs about $37,335 a year to afford the typical home in Osceola County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $73,397.