What income do you need to buy a house in Estherville, IA?

It takes about $40,000/yr to afford the typical Estherville, IA home ($130K, +14.8% past year) at today's rates. Starter homes run around $72K. See if you can afford a house in Estherville (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $40,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, IA property tax and insurance)
• Typical home value: $130K (Zillow ZHVI, 2026-07)
• 1-year change: +14.8%
• Bottom 35% of homes: $72K
• Top 35% of homes start around: $208K
• Median household income: $54K
• Price-to-income ratio: 2.4
• Estimated payment on the typical home: $676/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Spirit Lake, IA — typical home $345K
• Spencer, IA — typical home $200K
• Fairmont, MN — typical home $176K
• Algona, IA — typical home $187K
• Worthington, MN — typical home $253K
• Sheldon, IA — typical home $231K

The most affordable cities to buy a house in Iowa

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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