Westphalia, IA 51578 housing market
Data through Aug 2026 · Seller's market · leverage 3
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Buyer Leverage Score
3
Aug 2026
Months of Supply
3.0 months
Feb 2026
Days on Market
37 days
Aug 2026
Price Cut %
0.0%
Jul 2026
Sale-to-List Ratio
97.9%
Aug 2026
Expected Disaster Loss
$134
Dec 2025
What this means
- Supply. Listings are 100% below the 2017-19 norm: still a tight market.
- Negotiating. Buyer leverage is low (3/100; U.S.: 54): homes sell for about 2.1% below their final list price; 0% of listings had a price cut (U.S.: 26%).
- Disaster risk. FEMA expects about $134 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
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Other ZIP codes in Shelby County, IA
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Harlan, IA 51537 | $207K | +4.4% | 5 |
| Shelby, IA 51570 | $257.8K | +2.8% | 18 |
| Elk Horn, IA 51531 | $198K | +0.8% | 53 |
| Earling, IA 51530 | $242.8K | +5.8% | 17 |
| Portsmouth, IA 51565 | $278.9K | +9.1% | 5 |
| Panama, IA 51562 | $261.5K | +8.5% | 84 |
| Irwin, IA 51446 | $161.3K | +4.7% | 13 |
| Defiance, IA 51527 | $214.8K | +3.5% | 4 |
| Kirkman, IA 51447 | – | – | 25 |