Market Overview
Home Prices in Cincinnati, IA
The median home value in Cincinnati, IA is $83,153 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 14.9% compared to a year ago and up 14.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cincinnati are priced80% below average.
Price History
Cincinnati Home Price Trend
2022
$108,910
$109K
—
2023
$94,430
$94K
-13.3%
2024
$85,126
$85K
-9.9%
2025
$97,688
$98K
+14.8%
2026
$83,153
$83K
-14.9%
City Comparison
Cincinnati vs. National Median
🏠 Cincinnati
$83,153
National Median
$410,000
At $83,153, homes in Cincinnati cost 80% below the national median of $410,000. This makes Cincinnati a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cincinnati?
20% Down Payment
$16,631
on $83,153
Monthly P&I
$434/mo
30-yr @ 6.8%
Total Monthly Est.
~$551/mo
incl. taxes & insurance
Income Needed
$22,040
gross annual (30% rule)
10% Down Option
$8,315
+ PMI applies
Loan Amount (20% dn)
$66,522
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 Cincinnati, IA?
The median home value in Cincinnati is $83,153 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 14.9% year-over-year.
How much have home prices changed in Cincinnati?
Over the past year, home values in Cincinnati have decreased by 14.9%.
How much do I need to earn to buy a home in Cincinnati?
To comfortably afford the median home price of $83,153 with a 20% down payment ($16,631) at today's rates (6.8%), you'd need a gross annual income of approximately $22,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Cincinnati compare to the national average home price?
The national median home value is approximately $410,000. At $83,153, homes in Cincinnati are 80% below the national average.