Market Overview
Home Prices in Winterset, IA
The median home value in Winterset, IA is $297,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.7% compared to a year ago and up 3.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Winterset are priced27% below average. Winterset is part of the Des Moines-West Des Moines, IA metro area.
Over the past five years, Winterset home values have risen by approximately22.8%, reflecting strong long-term appreciation in this market.
Price History
Winterset Home Price Trend
City Comparison
Winterset vs. National Median
At $297,472, homes in Winterset cost 27% below the national median of $410,000. This makes Winterset a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Winterset?
20% Down Payment
$59,494
on $297,472
Monthly P&I
$1,551/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,970/mo
incl. taxes & insurance
Income Needed
$78,800
gross annual (30% rule)
10% Down Option
$29,747
+ PMI applies
Loan Amount (20% dn)
$237,978
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 Winterset, IA?
The median home value in Winterset is $297,472 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.7% year-over-year.
How much have home prices changed in Winterset?
Over the past year, home values in Winterset have decreased by 0.7%. Over five years, prices have risen approximately 22.8%.
How much do I need to earn to buy a home in Winterset?
To comfortably afford the median home price of $297,472 with a 20% down payment ($59,494) at today's rates (6.8%), you'd need a gross annual income of approximately $78,800. This assumes keeping total housing costs at or below 30% of gross income.
How does Winterset compare to the national average home price?
The national median home value is approximately $410,000. At $297,472, homes in Winterset are 27% below the national average.
What metro area is Winterset part of?
Winterset is part of the Des Moines-West Des Moines, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.