In Osceola, a typical home is worth $146,300 and typical rent is $943 a month. Compared with all of Clarke County, the typical home value is 9% lower and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $149,510 to $192,832.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Osceola is in Clarke 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 Clarke County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Creston, the typical rent is $703: 25% less than in Osceola ($943).
2
Nearby, in Creston, the typical home value is $114,500: 22% less than in Osceola ($146,300).
3
62% of households in Osceola own their home, against 72% in Clarke County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Osceola
What homes there are in Osceola, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Osceola
Clarke County
Iowa
United States
Kind of home: Osceola and its comparisons
Measure
Osceola
Clarke County
Iowa
United States
Detached house
62%
71%
72%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
Unreliable estimate
10%
6%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
14%
19%
Mobile home
Unreliable estimate
7%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Osceola (62%), but less so than in Clarke County (71%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Osceola
Clarke County
Iowa
United States
Year built: Osceola and its comparisons
Measure
Osceola
Clarke County
Iowa
United States
Before 1960
26%
30%
38%
26%
1960–1979
38%
33%
24%
24%
1980–1999
16%
17%
17%
25%
2000–2009
Unreliable estimate
9%
11%
14%
2010 or later
Unreliable estimate
12%
11%
11%
By age, homes in Osceola look like those in Clarke County: the typical year built is 1975.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K33%
$100K–$200K41%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Osceola and its comparisons
Measure
Osceola
Under $100K
33%
$100K–$200K
41%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,49942%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Osceola and its comparisons
Measure
Osceola
Under $500
Unreliable estimate
$500–$999
51%
$1,000–$1,499
42%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,377 a month
Clarke County: $1,416 a month
Without a mortgage
$540 a month
Clarke County: $641 a month
Owners with a mortgage
70%
Clarke County: 60%
Owning costs about the same in Osceola as in Clarke County: with a mortgage, $1,377 a month; without one, $540.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Osceola+53%
Clarke County+46%
Iowa+41%
United States+53%
Typical rent
Osceola+22%
Clarke County+19%
Iowa+23%
United States+33%
Typical household income
Osceola+38%
Clarke County+32%
Iowa+24%
United States+29%
Change since 2015–2019: Osceola and its comparisons
Measure
Osceola
Clarke County
Iowa
United States
Typical home value
+53%
+46%
+41%
+53%
Typical rent
+22%
+19%
+23%
+33%
Typical household income
+38%
+32%
+24%
+29%
The typical home value in Osceola rose 53% since 2015–2019, more than in Clarke County (46%).
Rents in Osceola rose faster than in Clarke County: 22% since 2015–2019, against 19%.
To compare: typical income in Osceola rose 38%; the home, +53%; the rent, +22%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Osceola and its comparisons
Measure
Osceola
Clarke County
Iowa
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.6%
3.4%
People per household
2.09
2.34
2.36
2.53
Drive alone
84%
80%
76%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
3%
3%
Work from home
Unreliable estimate
9%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Fewer people live in each home here: 2.09 on average, against 2.34 in Clarke County.
To get to work, 84% of workers in Osceola drive alone; in Clarke County, 80%.
Do the math
What would you pay each month for a home in Osceola?
A typical home is within reach of the typical income
We start with a typical home in Osceola, worth $146,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Osceola, which is $68,284 a year.
The calculator's FHA and conventional loan limits are those of all of Clarke County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Osceola. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,121 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,311
at 7.18% · 30 years
Loan amount
$143,650
Total interest
$206,678
Paid off in
November 2056
Includes $2,471 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,593 a month
Your payment · 23%
Tight
$1,593 to $2,049 a month
Hard
more than $2,049 a month
Compared with the typical household income in Osceola ($68,284 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$973
Property tax
$212
Home insurance
$61
FHA mortgage insurance (MIP)
$65
You need at least $5,121 for the down payment, plus closing costs.
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.
Total monthly payment $1,311; principal and interest $973.
The city and its county
Osceola and Clarke County
Osceola is in Clarke 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).
Osceola
Map of Clarke County, Iowa, with Osceola marked. Around it, the neighboring counties.
Osceola
Clarke County
Osceola's own numbers
Typical home value
$146,300
Typical monthly rent
$943
Typical yearly household income
$68,284
Households that own their home
62%
Effective property tax rate
1.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clarke County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$946
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
0.1%
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 Clarke County.
A typical home in Osceola is worth $146,300: 9% below the county and 30% below Iowa. With the typical household income in Osceola ($68,284 a year), a typical home costs 2.1 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.
Osceola2.1 years
Clarke2.2 years
Iowa2.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clarke County
According to FHFA’s house price index, home prices in Clarke County rose 66% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clarke County.
Yearly change in FHFA’s price index in Clarke County, 2016 to 2025
2016: −0.6% −0.6% 2016
2017: +3.7% +3.7% 2017
2018: +8.6% +8.6% 2018
2019: −0.8% −0.8% 2019
2020: +3.2% +3.2% 2020
2021: +9.6% +9.6% 2021
2022: +12.2% +12.2% 2022
2023: +11.8% +11.8% 2023
2024: +7.0% +7.0% 2024
2025: −1.4% −1.4% 2025
Change in FHFA’s price index in Clarke County, Iowa and the United States
Period
County
Iowa
U.S.
Last year (2025)
−1.4%
+3.2%
+2.9%
5 years (2020–2025)
+45%
+41%
+47%
10 years (2015–2025)
+66%
+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
Osceola next to Clarke 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
Osceola$146,300
Clarke$161,100
Iowa$208,000
United States$332,700
Typical monthly rent
Osceola$943
Clarke$931
Iowa$972
United States$1,413
Typical yearly household income
Osceola$68,284
Clarke$71,641
Iowa$75,059
United States$80,734
See the full table
Osceola next to Clarke County and Iowa
Measure
Osceola
Clarke County
Iowa
U.S.
Typical home value
$146,300 ▼9% below the county
$161,100
$208,000
$332,700
Typical monthly rent
$943
$931
$972
$1,413
Typical yearly household income
$68,284 ▼5% below the county
$71,641
$75,059
$80,734
Households that own their home
62% ▼10 points below the county
72%
72%
65%
Typical yearly property tax
$2,547
$2,578
$2,897
$3,119
Effective property tax rate
1.74% ▲0.14 points above the county
1.6%
1.39%
0.94%
Renters with high rent for their income
46% ▲2 points above the county
44%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clarke 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 Osceola
For a typical $146,300 home in Osceola, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Osceola's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,311a month
Least cash to close
Down payment
$5,121
Cash to close
$9,510
Rate
7.18%
Mortgage insurance
FHA MIP · $65
Conventional, 5% down$1,284a month
Down payment
$7,315
Cash to close
$11,704
Rate
7.18%
Mortgage insurance
PMI · $69
Conventional, 20% down, no PMI$1,066a month
Down payment
$29,260
Cash to close
$33,649
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,201a month
Down payment
$21,945
Cash to close
$26,334
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Osceola
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,311
$5,121
$143,650
7.18%
FHA MIP · $65
$9,510
580
Conventional, 5% down
$1,284
$7,315
$138,985
7.18%
PMI · $69
$11,704
620*
Conventional, 20% down, no PMI
$1,066
$29,260
$117,040
7.18%
None
$33,649
620*
ITIN, 15% down (example)
$1,201
$21,945
$124,355
8.18%
None
$26,334
Set by the lender
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.
Typical rent in Osceola is $943 a month: about the same as the county. In Osceola, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clarke County, by unit size. To pay the 2-bedroom one ($946 a month) without spending more than 30% of your income, you would need to earn $18.19 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clarke County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$659
$12.67
$26,360
1 bedroom
$781
$15.02
$31,240
2 bedrooms
$946
$18.19
$37,840
3 bedrooms
$1,272
$24.46
$50,880
4 bedrooms
$1,277
$24.56
$51,080
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 Osceola
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Osceola is in ZIP code 50213.
For 2 bedrooms it is $950: $4 more than the fair market rent for Clarke County ($946).
Fair market rent by ZIP code and size in Osceola, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
50213
$660
$780
$950
$1,280
$1,280
ZIP code2 bd3 bd
50213 $950$1,280
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Osceola 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Clarke County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Osceola or Clarke County. The ones below are statewide in Iowa: they work in Osceola the same as in the rest of the state.
With the Iowa state authority's FirstHome mortgage, a first-time buyer can get a second loan of up to 3% of the price (maximum $10,000) or up to 5% (maximum $15,000), with no monthly payments, repaid when you sell, refinance or pay off the mortgage.Offered by Iowa Finance Authority (IFA).
Iowa state authority second loan, with the Homes for Iowans mortgage, of up to 3% of the price (maximum $10,000) or 5% (maximum $15,000) for the down payment and closing costs; no monthly payments, and for any buyer.Offered by Iowa Finance Authority (IFA).
No legal help resource on our list is for Osceola or Clarke County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Osceola and all of Clarke 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 Osceola?
The typical home value in Osceola is $146,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clarke County it is $161,100.
How much does it cost to rent in Osceola?
Typical rent in Osceola is $943 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clarke County is $946.
What is the FHA loan limit in Osceola?
Osceola uses the FHA limit for all of Clarke 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 Osceola?
The typical homeowner in Osceola pays $2,547 a year, according to the U.S. Census Bureau. That is 1.74% of the home’s value; in Clarke County, the rate is 1.6%.
Where can I find free help to buy or rent in Osceola?
We found no HUD-approved counseling agencies with an office in Clarke County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
