Market Overview
Home Prices in Shell Rock, IA
The median home value in Shell Rock, IA is $226,282 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 4.2% compared to a year ago and up 3.6% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shell Rock are priced45% below average.
Over the past five years, Shell Rock home values have risen by approximately32.4%, reflecting strong long-term appreciation in this market.
Price History
Shell Rock Home Price Trend
2020
$157,168
$157K
—
2021
$170,861
$171K
+8.7%
2022
$203,358
$203K
+19.0%
2023
$207,204
$207K
+1.9%
2024
$209,559
$210K
+1.1%
2025
$217,076
$217K
+3.6%
2026
$226,282
$226K
+4.2%
City Comparison
Shell Rock vs. National Median
🏠 Shell Rock
$226,282
National Median
$410,000
At $226,282, homes in Shell Rock cost 45% below the national median of $410,000. This makes Shell Rock a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Shell Rock?
20% Down Payment
$45,256
on $226,282
Monthly P&I
$1,180/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,499/mo
incl. taxes & insurance
Income Needed
$59,960
gross annual (30% rule)
10% Down Option
$22,628
+ PMI applies
Loan Amount (20% dn)
$181,026
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 Shell Rock, IA?
The median home value in Shell Rock is $226,282 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 4.2% year-over-year.
How much have home prices changed in Shell Rock?
Over the past year, home values in Shell Rock have increased by 4.2%. Over five years, prices have risen approximately 32.4%.
How much do I need to earn to buy a home in Shell Rock?
To comfortably afford the median home price of $226,282 with a 20% down payment ($45,256) at today's rates (6.8%), you'd need a gross annual income of approximately $59,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Shell Rock compare to the national average home price?
The national median home value is approximately $410,000. At $226,282, homes in Shell Rock are 45% below the national average.