Market Overview
Home Prices in Defiance, IA
The median home value in Defiance, IA is $217,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.9% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Defiance are priced47% below average.
Over the past five years, Defiance home values have risen by approximately33.1%, reflecting strong long-term appreciation in this market.
Price History
Defiance Home Price Trend
2020
$141,790
$142K
—
2021
$163,569
$164K
+15.4%
2022
$188,930
$189K
+15.5%
2023
$189,228
$189K
+0.2%
2024
$201,847
$202K
+6.7%
2025
$209,519
$210K
+3.8%
2026
$217,652
$218K
+3.9%
City Comparison
Defiance vs. National Median
🏠 Defiance
$217,652
National Median
$410,000
At $217,652, homes in Defiance cost 47% below the national median of $410,000. This makes Defiance a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Defiance?
20% Down Payment
$43,530
on $217,652
Monthly P&I
$1,135/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,441/mo
incl. taxes & insurance
Income Needed
$57,640
gross annual (30% rule)
10% Down Option
$21,765
+ PMI applies
Loan Amount (20% dn)
$174,122
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 Defiance, IA?
The median home value in Defiance is $217,652 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.9% year-over-year.
How much have home prices changed in Defiance?
Over the past year, home values in Defiance have increased by 3.9%. Over five years, prices have risen approximately 33.1%.
How much do I need to earn to buy a home in Defiance?
To comfortably afford the median home price of $217,652 with a 20% down payment ($43,530) at today's rates (6.8%), you'd need a gross annual income of approximately $57,640. This assumes keeping total housing costs at or below 30% of gross income.
How does Defiance compare to the national average home price?
The national median home value is approximately $410,000. At $217,652, homes in Defiance are 47% below the national average.