Market Overview
Home Prices in Baldwin, IA
The median home value in Baldwin, IA is $265,886 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 11.6% compared to a year ago and up 2.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Baldwin are priced35% below average. Baldwin is part of the Clinton, IA metro area.
Price History
Baldwin Home Price Trend
2022
$215,732
$216K
—
2023
$217,347
$217K
+0.7%
2024
$232,960
$233K
+7.2%
2025
$238,345
$238K
+2.3%
2026
$265,886
$266K
+11.6%
City Comparison
Baldwin vs. National Median
🏠 Baldwin
$265,886
National Median
$410,000
At $265,886, homes in Baldwin cost 35% below the national median of $410,000. This makes Baldwin a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Baldwin?
20% Down Payment
$53,177
on $265,886
Monthly P&I
$1,387/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,761/mo
incl. taxes & insurance
Income Needed
$70,440
gross annual (30% rule)
10% Down Option
$26,589
+ PMI applies
Loan Amount (20% dn)
$212,709
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 Baldwin, IA?
The median home value in Baldwin is $265,886 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 11.6% year-over-year.
How much have home prices changed in Baldwin?
Over the past year, home values in Baldwin have increased by 11.6%.
How much do I need to earn to buy a home in Baldwin?
To comfortably afford the median home price of $265,886 with a 20% down payment ($53,177) at today's rates (6.8%), you'd need a gross annual income of approximately $70,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Baldwin compare to the national average home price?
The national median home value is approximately $410,000. At $265,886, homes in Baldwin are 35% below the national average.
What metro area is Baldwin part of?
Baldwin is part of the Clinton, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.