Bayard, IA—50029
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Bayard, IA
As of Nov '25, the median home price in Bayard, IA is $106,000, with a year-over-year change of -3.4%. This indicates that home prices in Bayard, IA are decreasing. 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 | $106,000 | -3.4% |
| Single Family | $106,000 | -6.2% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $116,000 | -1.7% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Bayard, IA
Bayard, IA 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 — Bayard, IA
As of Nov '25, Realtor.com reports that the median days on market for a home in Bayard, IA is 83. This is a decrease of -62.0% 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 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $97,900 | -46.0% |
Listing Count | 5 | 75.0% |
| Listings as % of Homes | 0.7% | 75.0% |
Days on Market | 83 | -62.0% |
Demographics — Bayard, IA
As of the latest ACS Survey released in 2023, Bayard, IA has a population of 612, which has increased by 11.1% over the past 5 years. Bayard, IA is a moderately popular place for families, as children make up 19.9% of the population. The area has a poorly educated workforce, with 16.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 612 | 11.1% |
% Under 18 | 19.9% | -3.9% |
% Seniors | 35.6% | 125.3% |
% WFH | 10.1% | 225.8% |
% w/ College Degree | 16.4% | 15.5% |
As of the latest ACS Survey released in 2023, Bayard, IA is a predominantly white area, with 95.3% of the population identifying as white. The white population has shrunk by 1.3% in the last 5 years. The second most common race or ethnicity in Bayard, IA is hispanic, making up 1.8% of the population. Foreign-born residents account for 0.3% of the population in Bayard, IA, and this percentage has decreased by 88.9% 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 | 95.3% | -1.3% |
% Black | 1.6% | ∞% |
% Hispanic | 1.8% | -33.3% |
% Asian | 0.0% | N/A |
% Foreign Born | 0.3% | -88.9% |
Mortgage and Risk — Bayard, IA
According to HUD data as of 2023, there were 20 mortgage originations in Bayard, IA, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Bayard, IA. Investor activity is low, as 10.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 20 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 10.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 10.0% |
Rentals and Section 8 — Bayard, IA
Bayard, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 3 |
Total Units Section 8 | 3 |
% Rentals under Section 8 | 9.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $810 |
| 2 Bedroom | N/A | N/A | $980 |
| 3 Bedroom | N/A | N/A | $1,330 |
| 4 Bedroom | N/A | N/A | $1,340 |
Affordability — Bayard, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $106,000 |
| Median Household Income | $44,500 |