Market Overview
Home Prices in Harlan, IA
The median home value in Harlan, IA is $209,764 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.1% compared to a year ago and up 6.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harlan are priced49% below average.
Over the past five years, Harlan home values have risen by approximately35.6%, reflecting strong long-term appreciation in this market.
Price History
Harlan Home Price Trend
2020
$136,754
$137K
—
2021
$154,688
$155K
+13.1%
2022
$176,421
$176K
+14.0%
2023
$177,189
$177K
+0.4%
2024
$189,343
$189K
+6.9%
2025
$201,476
$201K
+6.4%
2026
$209,764
$210K
+4.1%
City Comparison
Harlan vs. National Median
🏠 Harlan
$209,764
National Median
$410,000
At $209,764, homes in Harlan cost 49% below the national median of $410,000. This makes Harlan a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harlan?
20% Down Payment
$41,953
on $209,764
Monthly P&I
$1,094/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,389/mo
incl. taxes & insurance
Income Needed
$55,560
gross annual (30% rule)
10% Down Option
$20,976
+ PMI applies
Loan Amount (20% dn)
$167,811
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 Harlan, IA?
The median home value in Harlan is $209,764 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.1% year-over-year.
How much have home prices changed in Harlan?
Over the past year, home values in Harlan have increased by 4.1%. Over five years, prices have risen approximately 35.6%.
How much do I need to earn to buy a home in Harlan?
To comfortably afford the median home price of $209,764 with a 20% down payment ($41,953) at today's rates (6.8%), you'd need a gross annual income of approximately $55,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Harlan compare to the national average home price?
The national median home value is approximately $410,000. At $209,764, homes in Harlan are 49% below the national average.