Lincoln, IA 50652 housing market

What this means

• Prices. Home values are down 7.0% over the past year (U.S.: +1.2%), 11% below their 2022-23 peak.
• Supply. Listings are 100% below the 2017-19 norm: still a tight market.
• Negotiating. Buyer leverage is low (6/100; U.S.: 54) (as of May 2026): homes typically sell at or above asking (106.3% of list) (as of May 2024); 0% of listings had a price cut (U.S.: 26%) (as of May 2026).
• Affordability. A mortgage on the typical home takes 12% of the median household income (U.S.: 35%); it takes about $27k a year to keep the payment at 30% of gross pay. That includes about $1,640 a year for home insurance (U.S.: $1,790).
• Disaster risk. FEMA expects about $108 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
• Outlook. No clear direction: likely −9% to +7% over the next 12 months (51% chance of a rise).

Next 12 months

No clear direction

A rise is somewhat more likely than a fall, but not by enough to call. Likely change: −9.2% to +7.1% (80% range; middle estimate +0.1%), chance of a rise 51%, of a 5%+ drop 21%.

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.

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