Market Overview
Home Prices in Council Bluffs, IA
The median home value in Council Bluffs, IA is $231,391 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.4% compared to a year ago and up 2.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Council Bluffs are priced44% below average. Council Bluffs is part of the Omaha-Council Bluffs, NE-IA metro area.
Over the past five years, Council Bluffs home values have risen by approximately30.6%, reflecting strong long-term appreciation in this market.
Price History
Council Bluffs Home Price Trend
City Comparison
Council Bluffs vs. National Median
At $231,391, homes in Council Bluffs cost 44% below the national median of $410,000. This makes Council Bluffs a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Council Bluffs?
20% Down Payment
$46,278
on $231,391
Monthly P&I
$1,207/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,533/mo
incl. taxes & insurance
Income Needed
$61,320
gross annual (30% rule)
10% Down Option
$23,139
+ PMI applies
Loan Amount (20% dn)
$185,113
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 Council Bluffs, IA?
The median home value in Council Bluffs is $231,391 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.4% year-over-year.
How much have home prices changed in Council Bluffs?
Over the past year, home values in Council Bluffs have increased by 2.4%. Over five years, prices have risen approximately 30.6%.
How much do I need to earn to buy a home in Council Bluffs?
To comfortably afford the median home price of $231,391 with a 20% down payment ($46,278) at today's rates (6.8%), you'd need a gross annual income of approximately $61,320. This assumes keeping total housing costs at or below 30% of gross income.
How does Council Bluffs compare to the national average home price?
The national median home value is approximately $410,000. At $231,391, homes in Council Bluffs are 44% below the national average.
What metro area is Council Bluffs part of?
Council Bluffs is part of the Omaha-Council Bluffs, NE-IA metropolitan area. Home prices and market conditions can vary across the broader metro region.