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📍 Bayard, IA · Zillow ZHVI · July 2026

Average Home Price in
Bayard, IA

Des Moines-West Des Moines, IA metro area · Guthrie County County

Median Home Value
$116,973
↓ 3.1% year-over-year
vs. National Median
$410,000
Bayard is 71% below
Est. Monthly Payment
$610/mo
20% down · 6.8% rate
Income Needed
$31K
gross annual (30% rule)
Median Home Value
$116,973
↓ 3.1% year-over-year
Down Payment (20%)$23,395
Monthly P&I$610/mo
With Taxes & Ins.~$775/mo
Income Needed$31,000/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Bayard, IA

The median home value in Bayard, IA is $116,973 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.1% compared to a year ago and up 1.7% from two years prior.

Compared to the U.S. national median of $410,000, homes in Bayard are priced71% below average. Bayard is part of the Des Moines-West Des Moines, IA metro area.

City Comparison

Bayard vs. National Median

🏠 Bayard
$116,973
National Median
$410,000

At $116,973, homes in Bayard cost 71% below the national median of $410,000. This makes Bayard a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Bayard?

20% Down Payment
$23,395
on $116,973
Monthly P&I
$610/mo
30-yr @ 6.8%
Total Monthly Est.
~$775/mo
incl. taxes & insurance
Income Needed
$31,000
gross annual (30% rule)
10% Down Option
$11,697
+ PMI applies
Loan Amount (20% dn)
$93,578
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 Bayard, IA?
The median home value in Bayard is $116,973 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.1% year-over-year.
How much have home prices changed in Bayard?
Over the past year, home values in Bayard have decreased by 3.1%.
How much do I need to earn to buy a home in Bayard?
To comfortably afford the median home price of $116,973 with a 20% down payment ($23,395) at today's rates (6.8%), you'd need a gross annual income of approximately $31,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Bayard compare to the national average home price?
The national median home value is approximately $410,000. At $116,973, homes in Bayard are 71% below the national average.
What metro area is Bayard part of?
Bayard is part of the Des Moines-West Des Moines, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.