Market Overview
Home Prices in Chariton, IA
The median home value in Chariton, IA is $164,601 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 0% from two years prior.
Compared to the U.S. national median of $410,000, homes in Chariton are priced60% below average.
Over the past five years, Chariton home values have risen by approximately19.8%, reflecting steady appreciation in this market.
Price History
Chariton Home Price Trend
2020
$117,550
$118K
—
2021
$137,441
$137K
+16.9%
2022
$155,829
$156K
+13.4%
2023
$163,698
$164K
+5.0%
2024
$162,723
$163K
-0.6%
2025
$162,762
$163K
+0.0%
2026
$164,601
$165K
+1.1%
City Comparison
Chariton vs. National Median
🏠 Chariton
$164,601
National Median
$410,000
At $164,601, homes in Chariton cost 60% below the national median of $410,000. This makes Chariton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Chariton?
20% Down Payment
$32,920
on $164,601
Monthly P&I
$858/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,090/mo
incl. taxes & insurance
Income Needed
$43,600
gross annual (30% rule)
10% Down Option
$16,460
+ PMI applies
Loan Amount (20% dn)
$131,681
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 Chariton, IA?
The median home value in Chariton is $164,601 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Chariton?
Over the past year, home values in Chariton have increased by 1.1%. Over five years, prices have risen approximately 19.8%.
How much do I need to earn to buy a home in Chariton?
To comfortably afford the median home price of $164,601 with a 20% down payment ($32,920) at today's rates (6.8%), you'd need a gross annual income of approximately $43,600. This assumes keeping total housing costs at or below 30% of gross income.
How does Chariton compare to the national average home price?
The national median home value is approximately $410,000. At $164,601, homes in Chariton are 60% below the national average.