Market Overview
Home Prices in Hartwick, IA
The median home value in Hartwick, IA is $234,979 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 15% compared to a year ago and up 9.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Hartwick are priced43% below average.
Price History
Hartwick Home Price Trend
2022
$186,098
$186K
—
2023
$187,191
$187K
+0.6%
2024
$186,646
$187K
-0.3%
2025
$204,298
$204K
+9.5%
2026
$234,979
$235K
+15.0%
City Comparison
Hartwick vs. National Median
🏠 Hartwick
$234,979
National Median
$410,000
At $234,979, homes in Hartwick cost 43% below the national median of $410,000. This makes Hartwick a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Hartwick?
20% Down Payment
$46,996
on $234,979
Monthly P&I
$1,226/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,557/mo
incl. taxes & insurance
Income Needed
$62,280
gross annual (30% rule)
10% Down Option
$23,498
+ PMI applies
Loan Amount (20% dn)
$187,983
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 Hartwick, IA?
The median home value in Hartwick is $234,979 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 15% year-over-year.
How much have home prices changed in Hartwick?
Over the past year, home values in Hartwick have increased by 15%.
How much do I need to earn to buy a home in Hartwick?
To comfortably afford the median home price of $234,979 with a 20% down payment ($46,996) at today's rates (6.8%), you'd need a gross annual income of approximately $62,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Hartwick compare to the national average home price?
The national median home value is approximately $410,000. At $234,979, homes in Hartwick are 43% below the national average.