Dougherty, IA 50433 housing market

What this means

• Prices. Home values are up 7.8% over the past year (U.S.: +1.2%).
• Supply. There are 100% more homes for sale than the 2017-19 norm and falling (−67% vs. a year ago), so buyers have more to choose from than before the pandemic.
• Negotiating. Buyer leverage is high (71/100; U.S.: 54) (as of Jan 2026): homes sell for about 12.3% below their final list price (as of Jul 2024); 0% of listings had a price cut (U.S.: 26%).
• Affordability. A mortgage on the typical home takes 26% of the median household income (U.S.: 35%); it takes about $59k a year to keep the payment at 30% of gross pay. That includes about $1,541 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $143 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. Leaning up: likely −4% to +12% over the next 12 months (80% chance of a rise).

Next 12 months

Leaning up

Prices are more likely to rise than fall over the next year. Likely change: −3.9% to +12.4% (80% range; middle estimate +5.3%), chance of a rise 80%, of a 5%+ drop 7%.

HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.

Other ZIP codes in Cerro Gordo County, IA