Market Overview
Home Prices in Harpers Ferry, IA
The median home value in Harpers Ferry, IA is $304,496 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 9.2% compared to a year ago and up 6.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harpers Ferry are priced26% below average.
Over the past five years, Harpers Ferry home values have risen by approximately44.9%, reflecting strong long-term appreciation in this market.
Price History
Harpers Ferry Home Price Trend
2020
$191,532
$192K
—
2021
$210,124
$210K
+9.7%
2022
$237,651
$238K
+13.1%
2023
$246,106
$246K
+3.6%
2024
$262,416
$262K
+6.6%
2025
$278,716
$279K
+6.2%
2026
$304,496
$304K
+9.2%
City Comparison
Harpers Ferry vs. National Median
🏠 Harpers Ferry
$304,496
National Median
$410,000
At $304,496, homes in Harpers Ferry cost 26% below the national median of $410,000. This makes Harpers Ferry a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Harpers Ferry?
20% Down Payment
$60,899
on $304,496
Monthly P&I
$1,588/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,017/mo
incl. taxes & insurance
Income Needed
$80,680
gross annual (30% rule)
10% Down Option
$30,450
+ PMI applies
Loan Amount (20% dn)
$243,597
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 Harpers Ferry, IA?
The median home value in Harpers Ferry is $304,496 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 9.2% year-over-year.
How much have home prices changed in Harpers Ferry?
Over the past year, home values in Harpers Ferry have increased by 9.2%. Over five years, prices have risen approximately 44.9%.
How much do I need to earn to buy a home in Harpers Ferry?
To comfortably afford the median home price of $304,496 with a 20% down payment ($60,899) at today's rates (6.8%), you'd need a gross annual income of approximately $80,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Harpers Ferry compare to the national average home price?
The national median home value is approximately $410,000. At $304,496, homes in Harpers Ferry are 26% below the national average.