North Liberty, IN—46554
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — North Liberty, IN
As of Oct '25, the median home price in North Liberty, IN is $254,000, with a year-over-year change of 6.9%. This indicates that home prices in North Liberty, IN are increasing. According to Zillow, the 1-year price projection is 2.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $254,000 | 6.9% |
| Single Family | $255,000 | 7.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $185,000 | 8.2% |
3 Bed | $267,000 | 7.2% |
4 Bed | $315,000 | 6.8% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — North Liberty, IN
North Liberty, IN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — North Liberty, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in North Liberty, IN is 40. This is a decrease of -36.0% 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 18.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $358,000 | -2.0% |
Listing Count | 11 | -34.0% |
| Listings as % of Homes | 0.2% | -34.0% |
Days on Market | 40 | -36.0% |
Demographics — North Liberty, IN
As of the latest ACS Survey released in 2023, North Liberty, IN has a population of 4,280, which has decreased by -13.7% over the past 5 years. North Liberty, IN is a moderately popular place for families, as children make up 20.9% of the population. The area has a moderately educated workforce, with 26.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 8.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,280 | -13.7% |
% Under 18 | 20.9% | -10.3% |
% Seniors | 16.4% | -13.7% |
% WFH | 8.9% | 81.6% |
% w/ College Degree | 26.3% | 27.1% |
As of the latest ACS Survey released in 2023, North Liberty, IN is a predominantly white area, with 97.9% of the population identifying as white. The white population has grown by 1.2% in the last 5 years. The second most common race or ethnicity in North Liberty, IN is hispanic, making up 0.6% of the population. Foreign-born residents account for 0.4% of the population in North Liberty, IN, and this percentage has decreased by 63.6% 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 | 97.9% | 1.2% |
% Black | 0.2% | ∞% |
% Hispanic | 0.6% | -76.9% |
% Asian | 0.1% | -66.7% |
% Foreign Born | 0.4% | -63.6% |
Mortgage and Risk — North Liberty, IN
According to HUD data as of 2023, there were 104 mortgage originations in North Liberty, IN, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 61.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in North Liberty, IN. Investor activity is low, as 1.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 104 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — North Liberty, IN
North Liberty, IN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 63 |
Total Units Section 8 | 64 |
% Rentals under Section 8 | 37.7% |
% Occupied Section 8 | 85.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $790 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | N/A | N/A | $1,170 |
| 4 Bedroom | N/A | N/A | $1,320 |
Affordability — North Liberty, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $254,000 |
| Median Household Income | $75,000 |