Market Overview
Home Prices in Floyd, IA
The median home value in Floyd, IA is $203,734 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.4% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Floyd are priced50% below average.
Over the past five years, Floyd home values have risen by approximately33.2%, reflecting strong long-term appreciation in this market.
Price History
Floyd Home Price Trend
2020
$140,330
$140K
—
2021
$152,934
$153K
+9.0%
2022
$173,872
$174K
+13.7%
2023
$176,484
$176K
+1.5%
2024
$179,254
$179K
+1.6%
2025
$186,312
$186K
+3.9%
2026
$203,734
$204K
+9.4%
City Comparison
Floyd vs. National Median
🏠 Floyd
$203,734
National Median
$410,000
At $203,734, homes in Floyd cost 50% below the national median of $410,000. This makes Floyd a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Floyd?
20% Down Payment
$40,747
on $203,734
Monthly P&I
$1,063/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,350/mo
incl. taxes & insurance
Income Needed
$54,000
gross annual (30% rule)
10% Down Option
$20,373
+ PMI applies
Loan Amount (20% dn)
$162,987
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 Floyd, IA?
The median home value in Floyd is $203,734 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.4% year-over-year.
How much have home prices changed in Floyd?
Over the past year, home values in Floyd have increased by 9.4%. Over five years, prices have risen approximately 33.2%.
How much do I need to earn to buy a home in Floyd?
To comfortably afford the median home price of $203,734 with a 20% down payment ($40,747) at today's rates (6.8%), you'd need a gross annual income of approximately $54,000. This assumes keeping total housing costs at or below 30% of gross income.
How does Floyd compare to the national average home price?
The national median home value is approximately $410,000. At $203,734, homes in Floyd are 50% below the national average.