Earlham, IA—50072
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Earlham, IA
As of Oct '25, the median home price in Earlham, IA is $353,000, with a year-over-year change of 2.9%. This indicates that home prices in Earlham, IA are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $353,000 | 2.9% |
| Single Family | $352,000 | 2.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $239,000 | 2.6% |
3 Bed | $344,000 | 3.3% |
4 Bed | $397,000 | 2.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Earlham, IA
Earlham, IA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,220 | $1,220 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,220 | $1,220 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Earlham, IA
As of Oct '25, Realtor.com reports that the median days on market for a home in Earlham, IA is 137. This is a increase of 66.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $716,000 | 71.0% |
Listing Count | 12 | 112.0% |
| Listings as % of Homes | 1.2% | 112.0% |
Days on Market | 137 | 66.0% |
Demographics — Earlham, IA
As of the latest ACS Survey released in 2023, Earlham, IA has a population of 2,790, which has increased by 14.9% over the past 5 years. Earlham, IA is a moderately popular place for families, as children make up 24.4% of the population. The area has a moderately educated workforce, with 35.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 21.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,790 | 14.9% |
% Under 18 | 24.4% | -6.9% |
% Seniors | 16.0% | 13.5% |
% WFH | 21.4% | 375.6% |
% w/ College Degree | 35.3% | 16.1% |
As of the latest ACS Survey released in 2023, Earlham, IA is a predominantly white area, with 91.0% of the population identifying as white. The white population has shrunk by 5.7% in the last 5 years. The second most common race or ethnicity in Earlham, IA is hispanic, making up 2.6% of the population. Foreign-born residents account for 2.9% of the population in Earlham, IA, and this percentage has increased by 70.6% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.0% | -5.7% |
% Black | 1.5% | ∞% |
% Hispanic | 2.6% | 100.0% |
% Asian | 0.5% | -16.7% |
% Foreign Born | 2.9% | 70.6% |
Mortgage and Risk — Earlham, IA
According to HUD data as of 2023, there were 92 mortgage originations in Earlham, IA, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 54.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Earlham, IA. Investor activity is low, as 7.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 92 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 7.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Earlham, IA
Earlham, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | 0.7% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $890 |
| 2 Bedroom | N/A | N/A | $1,070 |
| 3 Bedroom | $220 | $1,220 | $1,440 |
| 4 Bedroom | N/A | N/A | $1,440 |
Affordability — Earlham, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $353,000 |
| Median Household Income | $112,000 |