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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Harpers Ferry, IA Housing Affordability Index

Harpers Ferry, Iowa has an MBR Housing Affordability Index score of 103.1 (Near National Average) as of October 30, 2026, ranking 880th most affordable of 891 scored Iowa cities, compared with 126.4 statewide and 97.4 nationally. On a median-priced $174,200 home with 20% down, the Iowa average 30-year fixed rate of 7.17% means a monthly principal and interest payment of about $943, or 26% of the city’s $44,107 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Harpers Ferry is updated every night from live Iowa mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Harpers Ferry MBR-HAI 103.1 Near National Average
Rank in Iowa 880 of 891 1 = most affordable
Iowa 126.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.17% Iowa lenders
Median home value $174,200 U.S. Census Bureau

Harpers Ferry is 23.3 points below the Iowa score. Scores as of October 30, 2026. See the Iowa index

View Harpers Ferry Mortgage Rates

What It Takes to Buy in Harpers Ferry

$943/mo
Principal & Interest
Median home, 20% down, 7.17%
$40,400
Income Needed
To keep the payment at 28% of income
$44,107
Median Household Income
Iowa: $75,059
3.9x
Price-to-Income Ratio
Iowa: 2.8x
$750/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,200/yr
Median Property Tax
1.26% of median value
48.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
42.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Harpers Ferry, Iowa. The rate is the Iowa average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Harpers Ferry Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Harpers Ferry, Iowa score: 103.1 (Near National Average), ranked 880 of 891 Iowa cities. monitorbankrates.com/housing-affordability-index/iowa/harpers-ferry”