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City · 21,125 residents · Johnson County, Iowa

North Liberty , Iowa

In North Liberty, a typical home is worth $303,800 and typical rent is $1,246 a month. Compared with all of Johnson County, typical household income is 36% higher, typical rent is 11% higher, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $303,800

    About the same as the county

    46% above Iowa

    • North Liberty
    • Johnson
    • Iowa

  • Typical rent

    $1,246a month

    11% above the county

    28% above Iowa

    • North Liberty
    • Johnson
    • Iowa

  • Typical household income

    $102,102a year

    36% above the county

    36% above Iowa

    • North Liberty
    • Johnson
    • Iowa

  • Households that own their home

    67%

    8 points above the county

    5 points below Iowa

    • North Liberty
    • Johnson
    • Iowa

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$310,571
2.2% more than 12 months ago
Typical rent
$1,808 a month
7.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

North Liberty is in Johnson County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Johnson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets North Liberty apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Cedar Rapids, the typical home value is $187,100: 38% less than in North Liberty ($303,800).

  2. The typical household income in North Liberty is $102,102, 36% more than in Johnson County as a whole ($74,935).

  3. Nearby, in Marion, the typical rent is $961: 23% less than in North Liberty ($1,246).

  4. 67% of households in North Liberty own their home, against 59% in Johnson County.

  5. North Liberty has the 8th highest typical rent of the 85 cities in Iowa with more than 5,000 people ($1,246).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in North Liberty

What homes there are in North Liberty, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

No kind of home is the majority in North Liberty; the largest group, detached houses, adds up to 49%, near the figure in Johnson County (48%).

Year built

The typical home in North Liberty was built in 2004, 12 years after the typical one in Johnson County.

There is more room for a big family here: 68% of homes have 3 bedrooms or more, against 58% in Johnson County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 92% of owner-occupied homes in North Liberty are worth less than the FHA loan limit for Johnson County ($541,287).

Monthly rent with utilities

With a mortgage

$1,921 a month

Johnson County: $1,948 a month

Without a mortgage

$652 a month

Johnson County: $734 a month

Owners with a mortgage

77%

Johnson County: 64%

The typical cost for an owner with a mortgage in North Liberty is $1,921 a month, near the figure in Johnson County ($1,948).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in Johnson County, the typical home value in North Liberty rose 38% since 2015–2019.

The typical rent in North Liberty rose 12% over the same time; in Johnson County, it rose 15%.

The typical household income in North Liberty rose 22% over that time; home values changed +38% and rent +12%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNorth LibertyJohnson CountyIowaUnited States
Rental vacancy Unreliable estimate6.5%5.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.8%1.6%3.4%
People per household 2.582.342.362.53
Drive alone 75%65%76%69%
Carpool 7%6%8%9%
Public transit Unreliable estimate4%1%3%
Walk or bike Unreliable estimate10%3%3%
Work from home 16%14%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

More people live in each home here: 2.58 on average, against 2.34 in Johnson County.

In North Liberty, 75% of workers drive alone to work; in Johnson County, 65%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in North Liberty?

A typical home is tight for the typical income

We start with a typical home in North Liberty, worth $303,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in North Liberty, which is $102,102 a year. For that payment to be 28% of income, a household would need to earn about $113,195 a year.

The calculator's FHA and conventional loan limits are those of all of Johnson County.

Your numbers

Local data
$

Starts at the typical home value in North Liberty. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,633 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,641

at 7.18% · 30 years

Loan amount
$298,297
Total interest
$429,180
Paid off in
November 2056

Includes $5,130 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,382 a month

  • Tight

    $2,382 to $3,063 a month

    Your payment · 31%

  • Hard

    more than $3,063 a month

Compared with the typical household income in North Liberty ($102,102 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,641
Principal & interest$2,021
Property tax$360
Home insurance$127
FHA mortgage insurance (MIP)$134

You need at least $10,633 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

North Liberty and Johnson County

North Liberty is in Johnson County, Iowa. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

North Liberty's own numbers

Typical home value
$303,800
Typical monthly rent
$1,246
Typical yearly household income
$102,102
Households that own their home
67%
Effective property tax rate
1.42%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Johnson County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,180
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
3.4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Johnson County.

Everything about Johnson County

Buying

Buying a home in North Liberty

A typical home in North Liberty is worth $303,800: about the same as the county and 46% above Iowa. With the typical household income in North Liberty ($102,102 a year), a typical home costs 3.0 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • North Liberty 3.0 years
  • Johnson 4.1 years
  • Iowa 2.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Johnson County

According to FHFA’s house price index, home prices in Johnson County rose 55% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Johnson County.

Period County Iowa U.S.
Last year (2025) +4.6% +3.2% +2.9%
5 years (2020–2025) +36% +41% +47%
10 years (2015–2025) +55% +65% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

North Liberty next to Johnson County, Iowa and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • North Liberty $303,800
  • Johnson $308,600
  • Iowa $208,000
  • United States $332,700
Typical monthly rent
  • North Liberty $1,246
  • Johnson $1,122
  • Iowa $972
  • United States $1,413
Typical yearly household income
  • North Liberty $102,102
  • Johnson $74,935
  • Iowa $75,059
  • United States $80,734
See the full table
North Liberty next to Johnson County and Iowa
Measure North Liberty Johnson County Iowa U.S.
Typical home value $303,800 $308,600 $208,000 $332,700
Typical monthly rent $1,246 $1,122 $972 $1,413
Typical yearly household income $102,102 $74,935 $75,059 $80,734
Households that own their home 67% 59% 72% 65%
Typical yearly property tax $4,321 $4,681 $2,897 $3,119
Effective property tax rate 1.42% 1.52% 1.39% 0.94%
Renters with high rent for their income 38% 56% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Johnson County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in North Liberty

For a typical $303,800 home in North Liberty, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Liberty's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,641a month

    Least cash to close
    Down payment
    $10,633
    Cash to close
    $19,747
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,586a month

    Down payment
    $15,190
    Cash to close
    $24,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $2,133a month

    Down payment
    $60,760
    Cash to close
    $69,874
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,413a month

    Down payment
    $45,570
    Cash to close
    $54,684
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for North Liberty and for Johnson County.

Property tax

Effective rate in North Liberty

1.42%of the home’s value each year

$4,321 a year for the typical owner in North Liberty.

  • North Liberty 1.42%
  • Johnson 1.52%
  • Iowa 1.39%

What Iowa publishes Homestead exemption: 10% of taxable value (Iowa Department of Revenue)

Exemptions and deadlines in Iowa

Flood risk in Johnson County

FEMA does not publish these numbers by city: they are for all of Johnson County.

Homes in the high-risk zone
3.4%
1,871
Of those, with NFIP insurance
9.5%
County Iowa U.S.
Homes in the high-risk zone 3.4% 2.2% 3.5%
Of those, with NFIP insurance 9.5% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in North Liberty

Typical rent in North Liberty is $1,246 a month: 11% above the county. In North Liberty, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Johnson County, by unit size. To pay the 2-bedroom one ($1,180 a month) without spending more than 30% of your income, you would need to earn $22.69 an hour working full time.

HUD fair market rent for all of Johnson County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $942 $18.12 $37,680
1 bedroom $1,002 $19.27 $40,080
2 bedrooms $1,180 $22.69 $47,200
3 bedrooms $1,634 $31.42 $65,360
4 bedrooms $1,972 $37.92 $78,880

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in North Liberty

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Liberty is in ZIP code 52317.

For 2 bedrooms it is $1,310: $130 more than the fair market rent for Johnson County ($1,180).

  • 52317 $1,310$1,810

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Liberty when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in North Liberty

HUD lists 5 buildings with rents for lower incomes in North Liberty. These are the largest.

  • North Liberty Living Center 450 Ashley Ct, North Liberty 52317 80 low-income homes · 1 bd: 27 · 2 bd: 53 · In service since 2011 · For older adults
  • Jefferson Point I 45 W Jefferson St, North Liberty 52317 30 low-income homes · 1 bd: 27 · 2 bd: 3 · In service since 2008 · For older adults, people with disabilities
  • Jefferson Point II 45 W Jefferson St, North Liberty 52317 30 low-income homes · 1 bd: 29 · 2 bd: 1 · In service since 2009 · For older adults
  • Savannah Village 711 Savannah Dr, North Liberty 52317 28 low-income homes · 3 bd: 22 · 4 bd: 6 · In service since 2004 · For people with disabilities, families
  • North Front Park Apts 705 N Front St, North Liberty 52317 24 low-income homes · 2 bd: 16 · 3 bd: 8 · In service since 1996 · For people with disabilities, families

See all 29 buildings in Johnson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in North Liberty

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Johnson County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in North Liberty

No down payment, repair or rent-help program on our list is for North Liberty or Johnson County. The ones below are statewide in Iowa: they work in North Liberty the same as in the rest of the state.

Which programs do I qualify for? All programs in Iowa

Housing counselors near North Liberty

The HUD-approved agencies closest to the center of North Liberty, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Horizons, A Family Service Alliance (horizons Cccs)

    819 5th St SE, Cedar Rapids · 16 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (319) 398-3943

  • Muscatine Municipal Housing Agency

    215 Sycamore St, Muscatine · 37 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (563) 264-1554

  • CCCS of Rochester-Northeastern Iowa

    1003 W 4th St, Waterloo · 64 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (800) 714-4388

All counseling agencies in Iowa

Help in Spanish near North Liberty

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of North Liberty

In HUD’s record, no housing authority with an office in Johnson County is named for North Liberty or Johnson County.

2 other authorities have an office in Johnson County: see the list Source: HUD

Cities

Other cities in Johnson County

These cities are also in Johnson County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Johnson County Housing in Iowa

Nearby cities

The cities closest to North Liberty, with the typical home value.

Neighboring counties

If Johnson County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in North Liberty.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about North Liberty

Short answers with the numbers for North Liberty and all of Johnson County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in North Liberty?

The typical home value in North Liberty is $303,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Johnson County it is $308,600.

How much does it cost to rent in North Liberty?

Typical rent in North Liberty is $1,246 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Johnson County is $1,180.

What is the FHA loan limit in North Liberty?

North Liberty uses the FHA limit for all of Johnson County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in North Liberty?

The typical homeowner in North Liberty pays $4,321 a year, according to the U.S. Census Bureau. That is 1.42% of the home’s value; in Johnson County, the rate is 1.52%.

Where can I find free help to buy or rent in North Liberty?

We found no HUD-approved counseling agencies with an office in Johnson County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).