Market Overview
Home Prices in Spillville, IA
The median home value in Spillville, IA is $180,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 8.7% compared to a year ago and up 8.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Spillville are priced56% below average.
Price History
Spillville Home Price Trend
2022
$149,515
$150K
—
2023
$154,442
$154K
+3.3%
2024
$153,400
$153K
-0.7%
2025
$166,299
$166K
+8.4%
2026
$180,836
$181K
+8.7%
City Comparison
Spillville vs. National Median
🏠 Spillville
$180,836
National Median
$410,000
At $180,836, homes in Spillville cost 56% below the national median of $410,000. This makes Spillville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Spillville?
20% Down Payment
$36,167
on $180,836
Monthly P&I
$943/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,198/mo
incl. taxes & insurance
Income Needed
$47,920
gross annual (30% rule)
10% Down Option
$18,084
+ PMI applies
Loan Amount (20% dn)
$144,669
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 Spillville, IA?
The median home value in Spillville is $180,836 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 8.7% year-over-year.
How much have home prices changed in Spillville?
Over the past year, home values in Spillville have increased by 8.7%.
How much do I need to earn to buy a home in Spillville?
To comfortably afford the median home price of $180,836 with a 20% down payment ($36,167) at today's rates (6.8%), you'd need a gross annual income of approximately $47,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Spillville compare to the national average home price?
The national median home value is approximately $410,000. At $180,836, homes in Spillville are 56% below the national average.