Market Overview
Home Prices in Mystic, IA
The median home value in Mystic, IA is $72,270 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 13.9% compared to a year ago and down 3.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mystic are priced82% below average.
Price History
Mystic Home Price Trend
2022
$99,147
$99K
—
2023
$94,910
$95K
-4.3%
2024
$86,710
$87K
-8.6%
2025
$83,909
$84K
-3.2%
2026
$72,270
$72K
-13.9%
City Comparison
Mystic vs. National Median
🏠 Mystic
$72,270
National Median
$410,000
At $72,270, homes in Mystic cost 82% below the national median of $410,000. This makes Mystic a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Mystic?
20% Down Payment
$14,454
on $72,270
Monthly P&I
$377/mo
30-yr @ 6.8%
Total Monthly Est.
~$479/mo
incl. taxes & insurance
Income Needed
$19,160
gross annual (30% rule)
10% Down Option
$7,227
+ PMI applies
Loan Amount (20% dn)
$57,816
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 Mystic, IA?
The median home value in Mystic is $72,270 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 13.9% year-over-year.
How much have home prices changed in Mystic?
Over the past year, home values in Mystic have decreased by 13.9%.
How much do I need to earn to buy a home in Mystic?
To comfortably afford the median home price of $72,270 with a 20% down payment ($14,454) at today's rates (6.8%), you'd need a gross annual income of approximately $19,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Mystic compare to the national average home price?
The national median home value is approximately $410,000. At $72,270, homes in Mystic are 82% below the national average.