Oskaloosa, IA—52577
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oskaloosa, IA
As of Oct '25, the median home price in Oskaloosa, IA is $181,000, with a year-over-year change of 4.2%. This indicates that home prices in Oskaloosa, IA are increasing. According to Zillow, the 1-year price projection is 3.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $181,000 | 4.2% |
| Single Family | $181,000 | 4.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $76,000 | -2.6% |
2 Bed | $121,000 | 4.3% |
3 Bed | $190,000 | 5.0% |
4 Bed | $254,000 | 5.0% |
| 5 Bed | $363,000 | 4.0% |
% of Housing Stock
Rental Trends — Oskaloosa, IA
As of July '25, Rentcast reports the average rent in Oskaloosa, IA is $1,130, with a year-over-year rent change of 10.8%. Per bedroom, the median rent as of July '25 in Oskaloosa, IA is 1-bedrooms: $745, 2-bedrooms: $1,170. The most common rental property sizes in Oskaloosa, IA are 2-bedroom and 3-bedroom, accounting for 48.4% and 28.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,130 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $745 | $745 |
| 2 Bed Rent | $1,200 | $1,170 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Oskaloosa, IA
As of Oct '25, Realtor.com reports that the median days on market for a home in Oskaloosa, IA is 37. This is a decrease of -11.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $230,000 | 4.0% |
Listing Count | 56 | 13.0% |
| Listings as % of Homes | 0.4% | 13.0% |
Days on Market | 37 | -11.0% |
Demographics — Oskaloosa, IA
As of the latest ACS Survey released in 2023, Oskaloosa, IA has a population of 14,300, which has decreased by -6.0% over the past 5 years. Oskaloosa, IA is a moderately popular place for families, as children make up 23.3% of the population. The area has a moderately educated workforce, with 25.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 14,300 | -6.0% |
% Under 18 | 23.3% | -4.5% |
% Seniors | 20.6% | 16.4% |
% WFH | 5.6% | 27.3% |
% w/ College Degree | 25.7% | 7.1% |
As of the latest ACS Survey released in 2023, Oskaloosa, IA is a predominantly white area, with 91.9% of the population identifying as white. The white population has shrunk by 0.8% in the last 5 years. The second most common race or ethnicity in Oskaloosa, IA is hispanic, making up 2.4% of the population. Foreign-born residents account for 2.2% of the population in Oskaloosa, IA, and this percentage has decreased by 26.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.9% | -0.8% |
% Black | 1.6% | -11.1% |
% Hispanic | 2.4% | 0.0% |
% Asian | 1.4% | -30.0% |
% Foreign Born | 2.2% | -26.7% |
Mortgage and Risk — Oskaloosa, IA
According to HUD data as of 2023, there were 345 mortgage originations in Oskaloosa, IA, of which 86.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 26.0% above 90% LTV (very high). This implies large mortgage risk in Oskaloosa, IA. Investor activity is low, as 3.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 345 |
% Conventional Loans | 86.0% |
% Government Loans | 14.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Oskaloosa, IA
Oskaloosa, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 360 |
Total Units Section 8 | 360 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 77.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$25 | $745 | $720 |
| 2 Bedroom | -$260 | $1,200 | $940 |
| 3 Bedroom | N/A | N/A | $1,130 |
| 4 Bedroom | N/A | N/A | $1,250 |
Affordability — Oskaloosa, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $181,000 |
| Median Household Income | $65,600 |