Market Overview
Home Prices in Atlantic, IA
The median home value in Atlantic, IA is $164,072 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.9% compared to a year ago and up 4.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Atlantic are priced60% below average.
Over the past five years, Atlantic home values have risen by approximately33.3%, reflecting strong long-term appreciation in this market.
Price History
Atlantic Home Price Trend
2020
$112,442
$112K
—
2021
$123,087
$123K
+9.5%
2022
$138,973
$139K
+12.9%
2023
$142,523
$143K
+2.6%
2024
$150,329
$150K
+5.5%
2025
$156,467
$156K
+4.1%
2026
$164,072
$164K
+4.9%
City Comparison
Atlantic vs. National Median
🏠 Atlantic
$164,072
National Median
$410,000
At $164,072, homes in Atlantic cost 60% below the national median of $410,000. This makes Atlantic a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Atlantic?
20% Down Payment
$32,814
on $164,072
Monthly P&I
$856/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,087/mo
incl. taxes & insurance
Income Needed
$43,480
gross annual (30% rule)
10% Down Option
$16,407
+ PMI applies
Loan Amount (20% dn)
$131,258
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Atlantic, IA?
The median home value in Atlantic is $164,072 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.9% year-over-year.
How much have home prices changed in Atlantic?
Over the past year, home values in Atlantic have increased by 4.9%. Over five years, prices have risen approximately 33.3%.
How much do I need to earn to buy a home in Atlantic?
To comfortably afford the median home price of $164,072 with a 20% down payment ($32,814) at today's rates (6.8%), you'd need a gross annual income of approximately $43,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Atlantic compare to the national average home price?
The national median home value is approximately $410,000. At $164,072, homes in Atlantic are 60% below the national average.