Market Overview
Home Prices in Fertile, IA
The median home value in Fertile, IA is $203,407 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.1% compared to a year ago and up 7.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Fertile are priced50% below average. Fertile is part of the Mason City, IA metro area.
Over the past five years, Fertile home values have risen by approximately36.0%, reflecting strong long-term appreciation in this market.
Price History
Fertile Home Price Trend
City Comparison
Fertile vs. National Median
At $203,407, homes in Fertile cost 50% below the national median of $410,000. This makes Fertile a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Fertile?
20% Down Payment
$40,681
on $203,407
Monthly P&I
$1,061/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,347/mo
incl. taxes & insurance
Income Needed
$53,880
gross annual (30% rule)
10% Down Option
$20,341
+ PMI applies
Loan Amount (20% dn)
$162,726
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 Fertile, IA?
The median home value in Fertile is $203,407 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.1% year-over-year.
How much have home prices changed in Fertile?
Over the past year, home values in Fertile have increased by 7.1%. Over five years, prices have risen approximately 36.0%.
How much do I need to earn to buy a home in Fertile?
To comfortably afford the median home price of $203,407 with a 20% down payment ($40,681) at today's rates (6.8%), you'd need a gross annual income of approximately $53,880. This assumes keeping total housing costs at or below 30% of gross income.
How does Fertile compare to the national average home price?
The national median home value is approximately $410,000. At $203,407, homes in Fertile are 50% below the national average.
What metro area is Fertile part of?
Fertile is part of the Mason City, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.