Market Overview
Home Prices in Delta, IA
The median home value in Delta, IA is $122,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4% compared to a year ago and down 10.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Delta are priced70% below average.
Price History
Delta Home Price Trend
2022
$131,168
$131K
—
2023
$128,292
$128K
-2.2%
2024
$131,656
$132K
+2.6%
2025
$118,259
$118K
-10.2%
2026
$122,955
$123K
+4.0%
City Comparison
Delta vs. National Median
🏠 Delta
$122,955
National Median
$410,000
At $122,955, homes in Delta cost 70% below the national median of $410,000. This makes Delta a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Delta?
20% Down Payment
$24,591
on $122,955
Monthly P&I
$641/mo
30-yr @ 6.8%
Total Monthly Est.
~$814/mo
incl. taxes & insurance
Income Needed
$32,560
gross annual (30% rule)
10% Down Option
$12,296
+ PMI applies
Loan Amount (20% dn)
$98,364
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 Delta, IA?
The median home value in Delta is $122,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4% year-over-year.
How much have home prices changed in Delta?
Over the past year, home values in Delta have increased by 4%.
How much do I need to earn to buy a home in Delta?
To comfortably afford the median home price of $122,955 with a 20% down payment ($24,591) at today's rates (6.8%), you'd need a gross annual income of approximately $32,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Delta compare to the national average home price?
The national median home value is approximately $410,000. At $122,955, homes in Delta are 70% below the national average.