Market Overview
Home Prices in Ayrshire, IA
The median home value in Ayrshire, IA is $150,293 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.8% compared to a year ago and up 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ayrshire are priced63% below average. Ayrshire is part of the Spencer, IA metro area.
Price History
Ayrshire Home Price Trend
2022
$131,076
$131K
—
2023
$126,961
$127K
-3.1%
2024
$135,469
$135K
+6.7%
2025
$136,818
$137K
+1.0%
2026
$150,293
$150K
+9.8%
City Comparison
Ayrshire vs. National Median
🏠 Ayrshire
$150,293
National Median
$410,000
At $150,293, homes in Ayrshire cost 63% below the national median of $410,000. This makes Ayrshire a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ayrshire?
20% Down Payment
$30,059
on $150,293
Monthly P&I
$784/mo
30-yr @ 6.8%
Total Monthly Est.
~$996/mo
incl. taxes & insurance
Income Needed
$39,840
gross annual (30% rule)
10% Down Option
$15,029
+ PMI applies
Loan Amount (20% dn)
$120,234
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 Ayrshire, IA?
The median home value in Ayrshire is $150,293 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.8% year-over-year.
How much have home prices changed in Ayrshire?
Over the past year, home values in Ayrshire have increased by 9.8%.
How much do I need to earn to buy a home in Ayrshire?
To comfortably afford the median home price of $150,293 with a 20% down payment ($30,059) at today's rates (6.8%), you'd need a gross annual income of approximately $39,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Ayrshire compare to the national average home price?
The national median home value is approximately $410,000. At $150,293, homes in Ayrshire are 63% below the national average.
What metro area is Ayrshire part of?
Ayrshire is part of the Spencer, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.