Market Overview
Home Prices in Havelock, IA
The median home value in Havelock, IA is $144,896 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 3.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Havelock are priced65% below average.
Price History
Havelock Home Price Trend
2022
$132,205
$132K
—
2023
$122,493
$122K
-7.3%
2024
$139,136
$139K
+13.6%
2025
$144,485
$144K
+3.8%
2026
$144,896
$145K
+0.3%
City Comparison
Havelock vs. National Median
🏠 Havelock
$144,896
National Median
$410,000
At $144,896, homes in Havelock cost 65% below the national median of $410,000. This makes Havelock a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Havelock?
20% Down Payment
$28,979
on $144,896
Monthly P&I
$756/mo
30-yr @ 6.8%
Total Monthly Est.
~$960/mo
incl. taxes & insurance
Income Needed
$38,400
gross annual (30% rule)
10% Down Option
$14,490
+ PMI applies
Loan Amount (20% dn)
$115,917
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 Havelock, IA?
The median home value in Havelock is $144,896 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Havelock?
Over the past year, home values in Havelock have increased by 0.3%.
How much do I need to earn to buy a home in Havelock?
To comfortably afford the median home price of $144,896 with a 20% down payment ($28,979) at today's rates (6.8%), you'd need a gross annual income of approximately $38,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Havelock compare to the national average home price?
The national median home value is approximately $410,000. At $144,896, homes in Havelock are 65% below the national average.