Market Overview
Home Prices in Harper, IA
The median home value in Harper, IA is $175,397 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 17.9% compared to a year ago and up 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harper are priced57% below average.
Price History
Harper Home Price Trend
2022
$138,327
$138K
—
2023
$138,721
$139K
+0.3%
2024
$147,402
$147K
+6.3%
2025
$148,744
$149K
+0.9%
2026
$175,397
$175K
+17.9%
City Comparison
Harper vs. National Median
🏠 Harper
$175,397
National Median
$410,000
At $175,397, homes in Harper cost 57% below the national median of $410,000. This makes Harper a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harper?
20% Down Payment
$35,079
on $175,397
Monthly P&I
$915/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,162/mo
incl. taxes & insurance
Income Needed
$46,480
gross annual (30% rule)
10% Down Option
$17,540
+ PMI applies
Loan Amount (20% dn)
$140,318
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 Harper, IA?
The median home value in Harper is $175,397 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 17.9% year-over-year.
How much have home prices changed in Harper?
Over the past year, home values in Harper have increased by 17.9%.
How much do I need to earn to buy a home in Harper?
To comfortably afford the median home price of $175,397 with a 20% down payment ($35,079) at today's rates (6.8%), you'd need a gross annual income of approximately $46,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Harper compare to the national average home price?
The national median home value is approximately $410,000. At $175,397, homes in Harper are 57% below the national average.