Iowa Housing Affordability Index

Daily affordability score for Iowa compared to the national average — updated every night using live mortgage rates and U.S. Census Bureau income and home value data.

Live Score

Iowa

129.6

Highly Affordable

MBR-HAI • April 10, 2026

National Average

100.6

Near National Average

MBR-HAI • April 10, 2026

National Rank #4 of 51 states

vs. National Average +29 points

30-yr Rate Used 6.237%

Median Home Value $208,000

Median Household Income $75,059

View all state rankings →

Iowa Affordability Ranking

#4 of 51 states — April 10, 2026 Top 20% most affordable

Most Affordable Least Affordable

More affordable than: 47 of 51 states (92%)

Less affordable than: 3 of 51 states (6%)

MBR-HAI Score: 129.6 vs. national 100.6 (+29 points)

Nearby States

↑ 1 more affordable state above

#2 AR 131.2

#3 AL 129.8

#4 Iowa ◀ 129.6

#5 MS 126.3

#6 LA 125.3

↓ 45 less affordable states below

Top 5 Most Affordable

#1 WV 139.9

#2 AR 131.2

#3 AL 129.8

#4 IA ◀ 129.6

#5 MS 126.3

Bottom 5 Least Affordable

#47 RI 90.6

#48 NY 89.3

#49 OR 89.2

#50 MA 87.2

#51 CA 81.5

View full 51-state rankings →

Iowa MBR-HAI — 90-Day Trend

Iowa

National Average

Dashed line = national average. Amber dashed line = 100 baseline. Score updates each morning after the nightly rate aggregation run.

Key Affordability Factors — Iowa

$208,000

Median Home Value

U.S. median: varies by state

$75,059

Median Household Income

U.S. median: $80,734

2.8x

Price-to-Income Ratio

Home value ÷ income

$1,102/mo

Median Owner Costs

17.6% of income annually

$2,726/yr

Median Property Tax

1.31% effective rate

70.9%

Homeownership Rate

U.S. average: 65.7%

20.3%

Owner Cost Burden

% spending 30%+ of income on housing

6.237%

30-yr Mortgage Rate

State average • April 10, 2026

Source: U.S. Census Bureau ACS 5-Year Estimates (2024), CPS/HVS Q4 2025. Mortgage rate from MBR live rate database.

How Iowa Ranks Among All States

#4

of 51 states

Least Affordable Most Affordable

Iowa is more affordable than 94% of U.S. states — Highly Affordable

129.6

MBR-HAI Score

Rank	State	MBR-HAI Score	Affordability
1	West Virginia	139.9	Highly Affordable
2	Arkansas	131.2	Highly Affordable
3	Alabama	129.8	Highly Affordable
4	Iowa You are here	129.6	Highly Affordable
5	Mississippi	126.3	Highly Affordable
6	Louisiana	125.3	Highly Affordable
7	Indiana	124.4	Highly Affordable
▼ See all 51 state rankings →

Showing states ranked near Iowa — April 10, 2026 • View complete national rankings →

Download Iowa HAI Data

Iowa History (CSV)

Daily score vs. national • all dates

                    date,state,hai_score,national_score,rate_used

                    2026-04-10,IA,129.6,100.6,6.237                

Download IA History (CSV)

All 51 States (CSV)

Compare Iowa to every state

Daily scores for all 51 states — filter by state or date in Excel or Google Sheets.

All States (CSV)

Explore Further

National MBR-HAI Rankings

See how Iowa ranks among all 51 states and the national average.

HAI Methodology

How the 10-component formula is computed, data sources, and score interpretation.

Iowa Mortgage Rates

Live 30-year and 15-year rates from banks and credit unions in Iowa.