Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$172,586+1.7% YoY · prices are rising
Market right nowBalanced marketMore homes for sale than last year, 15% have cut their price
Income needed to buy, per year$37,413About 0.5× the local median income ($73,493): affordable for a typical household
Days on market61 daysAbout the same pace as a year ago
The typical home in Tama County, IA is worth $172,586, up 1.7% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $161,227, so the area is 7.0% overvalued. It is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut. A household needs about $37,413 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 $73,493. In the latest IRS figures, 51 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
$172,586
Change in 1 year
+1.7%
Overvalued %
+7.0%
Show 6 more
Fair home value
$161,227
Change in 5 years
+26.0%
Home value to income
2.3×
Monthly mortgage payment (20% down)
$935
Income needed to afford it
$37,413
Property tax rate
1.38%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$945
Market activity
Listings vs a year ago
+10.7%
Days on market
61
Listings with a price cut
14.9%
Show 3 more
Homes for sale
62
Pending sales per 100 listings
45
Asking price per sq ft
$111
People and jobs
Median household income
$73,493
Population change (1 year)
−0.0%
Unemployment rate
3.8%
Show 4 more
Population
16,796
Income adjusted for cost of living
$87,388
Net moves in (IRS)
−51
Cost of living (US = 100)
84.1
Schools, risk and environment
School rating (1 to 10)
3.5
FEMA hazard risk score (0 to 100)
45.3
Flood risk score
42.4
Show 3 more
Wildfire risk score
65.5
Walkability (1 to 20)
6.0
Road, rail and air noise
52 dB
Questions people ask
Is Tama County, IA overvalued?
Home prices in Tama County, IA are slightly above what local incomes have historically supported: fair value is about $161,227, so the area is 7.0% overvalued.
Is Tama County, IA a buyer's or seller's market?
Tama County, IA is a balanced market: homes take about 61 days to sell, listings are up 11% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Tama County, IA?
Home values in Tama County, IA are up 1.7% over the last year.
How much do you need to earn to buy a home in Tama County, IA?
A household needs about $37,413 a year to afford the typical home in Tama County, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $73,493.