Market Overview
Home Prices in Garnavillo, IA
The median home value in Garnavillo, IA is $170,403 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% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garnavillo are priced58% below average.
Over the past five years, Garnavillo home values have risen by approximately25.1%, reflecting strong long-term appreciation in this market.
Price History
Garnavillo Home Price Trend
2020
$123,061
$123K
—
2021
$136,183
$136K
+10.7%
2022
$150,601
$151K
+10.6%
2023
$152,329
$152K
+1.1%
2024
$154,930
$155K
+1.7%
2025
$162,747
$163K
+5.0%
2026
$170,403
$170K
+4.7%
City Comparison
Garnavillo vs. National Median
🏠 Garnavillo
$170,403
National Median
$410,000
At $170,403, homes in Garnavillo cost 58% below the national median of $410,000. This makes Garnavillo a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Garnavillo?
20% Down Payment
$34,081
on $170,403
Monthly P&I
$889/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,129/mo
incl. taxes & insurance
Income Needed
$45,160
gross annual (30% rule)
10% Down Option
$17,040
+ PMI applies
Loan Amount (20% dn)
$136,322
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 Garnavillo, IA?
The median home value in Garnavillo is $170,403 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 Garnavillo?
Over the past year, home values in Garnavillo have increased by 4.7%. Over five years, prices have risen approximately 25.1%.
How much do I need to earn to buy a home in Garnavillo?
To comfortably afford the median home price of $170,403 with a 20% down payment ($34,081) at today's rates (6.8%), you'd need a gross annual income of approximately $45,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Garnavillo compare to the national average home price?
The national median home value is approximately $410,000. At $170,403, homes in Garnavillo are 58% below the national average.