Market Overview
Home Prices in Rock Valley, IA
The median home value in Rock Valley, IA is $318,664 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 5.2% compared to a year ago and up 5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Rock Valley are priced22% below average.
Price History
Rock Valley Home Price Trend
2022
$277,069
$277K
—
2023
$280,059
$280K
+1.1%
2024
$288,631
$289K
+3.1%
2025
$302,960
$303K
+5.0%
2026
$318,664
$319K
+5.2%
City Comparison
Rock Valley vs. National Median
🏠 Rock Valley
$318,664
National Median
$410,000
At $318,664, homes in Rock Valley cost 22% below the national median of $410,000. This makes Rock Valley a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Rock Valley?
20% Down Payment
$63,733
on $318,664
Monthly P&I
$1,662/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,111/mo
incl. taxes & insurance
Income Needed
$84,440
gross annual (30% rule)
10% Down Option
$31,866
+ PMI applies
Loan Amount (20% dn)
$254,931
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 Rock Valley, IA?
The median home value in Rock Valley is $318,664 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 5.2% year-over-year.
How much have home prices changed in Rock Valley?
Over the past year, home values in Rock Valley have increased by 5.2%.
How much do I need to earn to buy a home in Rock Valley?
To comfortably afford the median home price of $318,664 with a 20% down payment ($63,733) at today's rates (6.8%), you'd need a gross annual income of approximately $84,440. This assumes keeping total housing costs at or below 30% of gross income.
How does Rock Valley compare to the national average home price?
The national median home value is approximately $410,000. At $318,664, homes in Rock Valley are 22% below the national average.