Market Overview
Home Prices in Emmetsburg, IA
The median home value in Emmetsburg, IA is $175,697 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.7% compared to a year ago and up 5.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Emmetsburg are priced57% below average.
Over the past five years, Emmetsburg home values have risen by approximately27.9%, reflecting strong long-term appreciation in this market.
Price History
Emmetsburg Home Price Trend
2020
$125,695
$126K
—
2021
$137,320
$137K
+9.2%
2022
$154,365
$154K
+12.4%
2023
$152,071
$152K
-1.5%
2024
$159,353
$159K
+4.8%
2025
$167,796
$168K
+5.3%
2026
$175,697
$176K
+4.7%
City Comparison
Emmetsburg vs. National Median
🏠 Emmetsburg
$175,697
National Median
$410,000
At $175,697, homes in Emmetsburg cost 57% below the national median of $410,000. This makes Emmetsburg a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Emmetsburg?
20% Down Payment
$35,139
on $175,697
Monthly P&I
$916/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,163/mo
incl. taxes & insurance
Income Needed
$46,520
gross annual (30% rule)
10% Down Option
$17,570
+ PMI applies
Loan Amount (20% dn)
$140,558
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 Emmetsburg, IA?
The median home value in Emmetsburg is $175,697 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.7% year-over-year.
How much have home prices changed in Emmetsburg?
Over the past year, home values in Emmetsburg have increased by 4.7%. Over five years, prices have risen approximately 27.9%.
How much do I need to earn to buy a home in Emmetsburg?
To comfortably afford the median home price of $175,697 with a 20% down payment ($35,139) at today's rates (6.8%), you'd need a gross annual income of approximately $46,520. This assumes keeping total housing costs at or below 30% of gross income.
How does Emmetsburg compare to the national average home price?
The national median home value is approximately $410,000. At $175,697, homes in Emmetsburg are 57% below the national average.