Market Overview
Home Prices in Holy Cross, IA
The median home value in Holy Cross, IA is $241,184 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.8% compared to a year ago and up 5.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Holy Cross are priced41% below average. Holy Cross is part of the Dubuque, IA metro area.
Over the past five years, Holy Cross home values have risen by approximately32.2%, reflecting strong long-term appreciation in this market.
Price History
Holy Cross Home Price Trend
City Comparison
Holy Cross vs. National Median
At $241,184, homes in Holy Cross cost 41% below the national median of $410,000. This makes Holy Cross a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Holy Cross?
20% Down Payment
$48,237
on $241,184
Monthly P&I
$1,258/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,598/mo
incl. taxes & insurance
Income Needed
$63,920
gross annual (30% rule)
10% Down Option
$24,118
+ PMI applies
Loan Amount (20% dn)
$192,947
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 Holy Cross, IA?
The median home value in Holy Cross is $241,184 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.8% year-over-year.
How much have home prices changed in Holy Cross?
Over the past year, home values in Holy Cross have increased by 3.8%. Over five years, prices have risen approximately 32.2%.
How much do I need to earn to buy a home in Holy Cross?
To comfortably afford the median home price of $241,184 with a 20% down payment ($48,237) at today's rates (6.8%), you'd need a gross annual income of approximately $63,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Holy Cross compare to the national average home price?
The national median home value is approximately $410,000. At $241,184, homes in Holy Cross are 41% below the national average.
What metro area is Holy Cross part of?
Holy Cross is part of the Dubuque, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.