Market Overview
Home Prices in Ruthven, IA
The median home value in Ruthven, IA is $187,856 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.4% compared to a year ago and up 5.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Ruthven are priced54% below average. Ruthven is part of the Spencer, IA metro area.
Over the past five years, Ruthven home values have risen by approximately37.0%, reflecting strong long-term appreciation in this market.
Price History
Ruthven Home Price Trend
City Comparison
Ruthven vs. National Median
At $187,856, homes in Ruthven cost 54% below the national median of $410,000. This makes Ruthven a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Ruthven?
20% Down Payment
$37,571
on $187,856
Monthly P&I
$980/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,245/mo
incl. taxes & insurance
Income Needed
$49,800
gross annual (30% rule)
10% Down Option
$18,786
+ PMI applies
Loan Amount (20% dn)
$150,285
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 Ruthven, IA?
The median home value in Ruthven is $187,856 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.4% year-over-year.
How much have home prices changed in Ruthven?
Over the past year, home values in Ruthven have increased by 7.4%. Over five years, prices have risen approximately 37.0%.
How much do I need to earn to buy a home in Ruthven?
To comfortably afford the median home price of $187,856 with a 20% down payment ($37,571) at today's rates (6.8%), you'd need a gross annual income of approximately $49,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Ruthven compare to the national average home price?
The national median home value is approximately $410,000. At $187,856, homes in Ruthven are 54% below the national average.
What metro area is Ruthven part of?
Ruthven is part of the Spencer, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.