Market Overview
Home Prices in Garner, IA
The median home value in Garner, IA is $234,831 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5% compared to a year ago and up 5.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Garner are priced43% below average.
Over the past five years, Garner home values have risen by approximately37.7%, reflecting strong long-term appreciation in this market.
Price History
Garner Home Price Trend
2020
$150,462
$150K
—
2021
$170,593
$171K
+13.4%
2022
$200,906
$201K
+17.8%
2023
$203,544
$204K
+1.3%
2024
$211,371
$211K
+3.8%
2025
$223,586
$224K
+5.8%
2026
$234,831
$235K
+5.0%
City Comparison
Garner vs. National Median
🏠 Garner
$234,831
National Median
$410,000
At $234,831, homes in Garner cost 43% below the national median of $410,000. This makes Garner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Garner?
20% Down Payment
$46,966
on $234,831
Monthly P&I
$1,225/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,556/mo
incl. taxes & insurance
Income Needed
$62,240
gross annual (30% rule)
10% Down Option
$23,483
+ PMI applies
Loan Amount (20% dn)
$187,865
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 Garner, IA?
The median home value in Garner is $234,831 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5% year-over-year.
How much have home prices changed in Garner?
Over the past year, home values in Garner have increased by 5%. Over five years, prices have risen approximately 37.7%.
How much do I need to earn to buy a home in Garner?
To comfortably afford the median home price of $234,831 with a 20% down payment ($46,966) at today's rates (6.8%), you'd need a gross annual income of approximately $62,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Garner compare to the national average home price?
The national median home value is approximately $410,000. At $234,831, homes in Garner are 43% below the national average.