Harpers Ferry Iowa Area Home Supply Charts

This page looks at a variety of Harpers Ferry Iowa housing market data taken from the most recent 2020 American Community Survey census data. Housing units are structures such as a single family home, apartment community, mobile home park, public housing, etc. where a person or family live and live separately from other residents of the building. Figure 1 shows the total number of housing units for each city. Harpers Ferry shows it has a Housing Units of 640 which is the second most housing units of all the places in the greater Harpers Ferry region.

Figure 2 illustrates the housing density in the Harpers Ferry housing market as measured by housing units per square land mile (includes single family homes, apartments, etc.) Harpers Ferry depicts it has a Housing Density of 1021.4 which is the highest of all places in the greater Harpers Ferry region. Comparing housing density to the United States average of 38.9, Harpers Ferry is very much bigger. Also, benchmarked against the state of Iowa, housing density of 25.0, Harpers Ferry is quite a bit bigger.

In Figure 4, Harpers Ferry area change in the number of housing units and is a forward gauge (along with population change) for any potential housing shortage. Harpers Ferry depicts it has a Housing Unit Change of 10.7% which is the third most of all other places in the local area. The city with the highest change in the housing units in the area is Lynxville which shows a housing units of 29.7% (approximately 2.8 times bigger). Comparing change in the housing units to the United States average of 5.7%, Harpers Ferry is about twice as large. Also, measured against the state of Iowa, change in the housing units of 4.5%, Harpers Ferry is approximately 2.4 times bigger.

Figure 5 shows the percentage of rental property based on that they are occupied by renters as a percent of the total number of households in the community (including homes, apartments, etc.) Harpers Ferry indicates it has a Renter Percent of 9.8% which is the second smallest when ranked by renter percent of all the other places in the metro area. Figure 6 illustrates the total number of housing units that are occupied by owners. it has a Owner Percent of 90.2% which is the second most owner percent of all the places in the greater Harpers Ferry region.

Harpers Ferry Iowa Home Cost Charts

Looking at the housing data provided in Figure 7, the average Harpers Ferry home price is illustrated for this community and a useful analysis of affordable housing. Harpers Ferry depicts it has a Median Home Value of $124,500 which is the third most of all other places in the local area. The city with the highest median home price in the area is Ferryville which depicts a home price of $168,100 (35.0% larger). Figure 8 provides aggregate comparative data for the Harpers Ferry Iowa metro area in terms of the median housing rental rate, apartment rent, etc. Harpers Ferry shows it has a Median Gross Rent of $619 which is the third most rental rates of all other places in the greater Harpers Ferry region. The city with the highest rental rates in the area is Lynxville which shows a rental rates of $875 (41.4% larger). Comparing rental rates to the United States average of $1,062, Harpers Ferry is approximately half the size. Also, measured against the state of Iowa, rental rates of $789, Harpers Ferry is approximately three-fourths the size.

Figure 9 provides the frequency distribution of home prices for the area and is useful for understanding affordable housing fund. Harpers Ferry has the percentage of home price worth less than $50,000 the second smallest when sorted by home price worth less than $50,000 of all the other places in the metro area at 22% of the total. Second, it has the largest proportion of home price worth between $200,000 to $300,000 at 8% of the total and is ranked #1. Third, it has the largest proportion of home price worth between $500,000 to $750,000 at 2% of the total and is ranked #1.

Median owner costs for the real estate market are shown in Figure 10 and include the costs associated with any mortgage, utility expenses, insurance, and other miscellaneous costs. Harpers Ferry shows it has a Median Owner Cost of $572 which is the smallest when sorted by median ownership cost of all the other places in the area. Figure 11 shows the median amount of cost as a percent of total household income for people who own homes in the Harpers Ferry metro area. it has a Owner Cost as % of HH Income of 18% which is the third most of all other places in the area. The next chart, Figure 12, provides a comparison chart of the median home cost as a percent of a median worker take home earnings and is thus a valuable measure of affordable housing. Harpers Ferry shows it has a Median Home Value as Percent of Median Earnings of 327% which is ranked #1 of all places in the greater Harpers Ferry region.

Figure 14 depicts the median cost of housing for owners with also have a mortgages (versus those who do not have a mortgage because mortgage cost is included.) Harpers Ferry depicts it has a Median Owner Costs-With Mortgage of $1,319 which is the second most median housing cost of all the places in the greater Harpers Ferry region. Figure 15 is a chart that shows the median housing costs for owners who do not have mortgages (and therefore the cost of home ownership does not include mortgage cost.) it has a Median Owner Costs-Without Mortgage of $370 which is the second smallest as measured by median housing cost of all the other places in the metro area.

Figure 16 shows the distribution in total housing cost for owners of property (so not renters.) This cost includes mortgages, lines of credit interest, utilities, taxes, insurance, etc. Harpers Ferry has the largest proportion of owner cost less than $300 at 45% of the total and is ranked #1. Second, it has the smallest proportion of owner cost between $300 and $500 at 11% of the total. Third, it has the smallest proportion of owner cost between $500 and $700 at 15% of the total. Also, it has one of the largest proportions of owner cost between $700 and $1,000 at 22% of the total and is ranked #2. The only larger city being Ferryville with 25%. In addition, it has the second smallest in terms of owner cost less than $300 of all the other places in the metro area when sorted by owner cost between $1,000 and $1,500 at 3% of the total. Furthermore, it has the largest proportion of owner cost between $2,000 and $2,500 at 2% of the total and is ranked #1.

Next shown in Figure 17 is the housing cost as a percent of household income for people who own their homes and have a mortgages (thus the cost of financing the home is included.) Harpers Ferry depicts it has a % of Income Owner Costs-With Mortgage of 23% which is the largest of all places in the metro area. Housing cost as a percent of household income for owners who do not have a mortgage is shown in Figure 18. This analysis can be useful for understanding the affordable housing for home ownership excluding any financing cost in the area shown. Harpers Ferry shows it has a % of Income Owner Costs-No Mortgage of 14% which is the third most of all other places in the local area. The city with the highest cost as a percent of household income in the area is Ferryville which depicts a cost as a percent of household income of 20% (37.1% larger).

Figure 19 looks at the cost of rent for rental property using the percent of total household income which is a valuable measure of financial health for the area. (The higher the proportion of rent payments to total household income is a sign of greater financial stress. Also, rent can be covered by rent assistance and rent assistance programs in the form of rent assistance.) Harpers Ferry has the percentage of rent as a percent of income is less than 10 pct less than most other places in the metro area at 8% of the total. Second, it has the second smallest as measured by rent as a percent of income is less than 10 pct of all the other places in the metro area as measured by rent as a percent of income is between 10pct to 20pct at 8% of the total. Third, it has the largest proportion of rent as a percent of income is between 30pct to 40pct at 38% of the total and is ranked #1. Also, it has one of the largest proportions of rent as a percent of income is between 40pct to 50pct at 31% of the total and is ranked #2. The only larger city being Waterville with 50%.

Figure 20 shows the total housing cost for both home owners and apartment community renters in the area. Harpers Ferry has the largest proportion of housing cost less than $300 at 33% of the total and is ranked #1. Second, it has the smallest proportion of housing cost between $500 and $700 at 14% of the total. Third, it has the largest proportion of housing cost between $2,000 and $2,500 at 2% of the total and is ranked #1.

Figure 21 shows median amount of real estate taxes paid for home owners in the region. it has a Median Real Estate Taxes Paid of $1,639 which is less than most other places in the greater region. The city with the highest median real estate taxes paid in the area is Ferryville which depicts a taxes paid of $3,325 (about twice as large). Comparing median real estate taxes paid to the United States average of $2,471, Harpers Ferry is approximately three-fourths the size. Also, in contrast to the state of Iowa, median real estate taxes paid of $2,315, Harpers Ferry is approximately three-fourths the size.

Figure 22 shows the percentage of renters who pay for utilities in Harpers Ferry Iowa. This is calculated as the percent of renters who pay separately for utilities versus the people who have utilities included as part of amenities. Harpers Ferry has the largest proportion of pay extra for utilities at 38% of the total and is ranked #1.

Figure 23 shows the rental rate distribution for this area. Harpers Ferry Iowa has one of the largest proportions of rent between 300 and 500 dollars at 77% of the total and is ranked #2. The only larger city being Ferryville with 100%. Second, it has in the mid range of other places in the local area when sorted by rent between 500 and 750 dollars at 8% of the total.

Harpers Ferry Iowa Home Financing Charts

The analysis in Figure 25 shows the detailed distribution of owned homes by mortgage status. Harpers Ferry has the smallest proportion of both 2nd mortgage and heloc at 36% of the total. Second, it has the largest proportion of no 2nd mortgage and no heloc at 61% of the total and is ranked #1.

Figure 26 shows the proportion of houses with a mortgage versus those without a mortgage. Harpers Ferry has the largest proportion of houses with mortgages at 61% of the total and is ranked #1.

Harpers Ferry Iowa Home Characteristics Charts

Figure 28 shows the household size for families living in the area and it has a Family size of 2.2 which is the smallest when ranked by family members per housing unit of all the other places in the metro area. The city with the highest family members per housing unit in the area is Lynxville which depicts a family members per housing unit of 3.4 (53.9% larger). Comparing family members per housing unit to the United States average of 3.3, Harpers Ferry is approximately three-fourths the size. Also, benchmarked against the state of Iowa, family members per housing unit of 3.1, Harpers Ferry is approximately three-fourths the size.

Figure 29 show the median number of rooms in a typical home for each location in this area. it has a Median Number of Rooms of 4.6 which is the second smallest in order of average number of rooms in a house of all the other places in the local area. The city with the highest average number of rooms in a house in the area is Waterville which shows an average number of rooms in a house of 6.0 (30.4% larger). Figure 30 shows, for the average house in each location, the median year that a house was built. This can be useful for understanding the relative age of one neighborhood versus another for a real estate investor. it has a Median Year Built of 1984 which is the second most year built of all the places in the greater Harpers Ferry region. The city with the highest year built in the area is Ferryville which shows a year built of 1986 ( about the same size).

Figure 31 looks at the distribution of housing units by the median age that the homes were built. it has one of the largest proportions of homes built in 2014 or later at 4% of the total and is ranked #2. The only larger city being Lynxville with 10%. Second, it has in the intermediate range of other places in the local area in order of homes built between 2010 to 2013 at 15% of the total. Third, it has the largest proportion of homes built between 2000 to 2009 at 24% of the total and is ranked #1. Also, it has the largest proportion of homes built between 1980 to 1989 at 19% of the total and is ranked #1. In addition, it has the largest proportion of homes built between 1970 to 1979 at 15% of the total and is ranked #1. Furthermore, it has the smallest proportion of homes built between 1950 to 1959 at 1% of the total. Next it has the smallest proportion of homes built between 1940 to 1949 at 6% of the total.

Figure 32 shows the difference in the number of housing units based on whether they are occupied by owners versus occupied by renters. has the percentage of owner housing units in the mid range of other places in the metro area at 13 of the total.

Figure 33 shows the difference in the number of housing units based on whether they are occupied by owners or renters. it has the largest proportion of 5 to 9 units at 5% of the total and is ranked #1. Second, it has the largest proportion of 50 or more units at 56% of the total and is ranked #1.

Figure 34 shows the median value of homes broken down by the median year that the homes were built. it has the largest proportion of value of homes built 2014 or later at $350,000 of the total and is ranked #1. Second, it has less than most other places in the local area in terms of value of homes built 2010 to 2013 at $181,300 of the total. Third, it has less than most other places in the metro area when sorted by value of homes built 2000 to 2009 at $115,300 of the total. Also, it has the largest proportion of value of homes built 1990 to 1999 at $139,300 of the total and is ranked #1. In addition, it has the largest proportion of value of homes built 1970 to 1979 at $116,100 of the total and is ranked #1. Furthermore, it has in the mid range of other places in the metropolitan area as measured by value of homes built 1960 to 1969 at $95,000 of the total. Next it has one of the largest proportions of value of homes built 1940 to 1949 at $95,000 of the total and is ranked #2. The only larger city being Prairie du Chien with $110,900.

Figure 35 compares the total number of occupied housing units to vacant housing units. This analysis can be used to understand any housing shortage in the community. it has the largest proportion of occupied housing units at 79% of the total and is ranked #1.

The next two charts show both the average household size of homeowners versus the average household size of renters. Starting with Figure 36 we see the household size of homeowners for Harpers Ferry residents. it has a Owner-Household Size of 1.8 which is the smallest when ranked by homeowner household size of all the other places in the metro area. The city with the highest homeowner household size in the area is Lynxville which shows a homeowner household size of 3.1 (69.9% larger).

Figure 37 shows the household size for renters. Harpers Ferry depicts it has a Renter-Household Size of 1.8 which is the third most of all other places in the metropolitan area. The city with the highest renter household size in the area is Lynxville which shows a renter household sizes of 2.2 (23.2% larger). Figure 38 shows the year that people who own homes moved into this region. has the smallest proportion of owners moved in 2017 or later at 2% of the total. Second, it has one of the largest proportions of owners moved in 2015 to 2016 at 27% of the total and is ranked #3. Only #2 Marquette (29%), and #1 Lynxville (51%) are larger. Third, it has one of the largest proportions of owners moved in 2010 to 2014 at 39% of the total and is ranked #2. The only larger city being Eastman with 46%. Also, it has the second smallest as measured by owners moved in 2017 or later of all the other places in the local area in terms of owners moved in 1990 to 1999 at 7% of the total. Figure 39 shows the year that people who rent moved into the area. Harpers Ferry has one of the largest proportions of renters moved in 2017 or later at 43% of the total and is ranked #2. The only larger city being Lynxville with 46%. Second, it has one of the largest proportions of renters moved in 2015 to 2016 at 57% of the total and is ranked #2. The only larger city being Ferryville with 100%.

Figure 40 compares the median year that home owners moved into their home. it has a Owner Median Year Moved In of 2006 which is ranked #1 of all places in the greater Harpers Ferry region. Figure 41 compares the median year that renters moved into their home. Harpers Ferry depicts it has a Renter Median Year Moved In of 2014 which is the second most median year that a renter moved in of all the places in the greater Harpers Ferry region.

Figure 42 shows the frequency distribution of various types of energy sources used for homes in the community. it has one of the largest proportions of homes using natural gas at 77% of the total and is ranked #2. The only larger city being Ferryville with 81%. Second, it has one of the largest proportions of home using bottled, tank, or lp gas at 16% of the total and is ranked #2. The only larger city being Marquette with 27%. Third, it has less than most other places in the metropolitan area in terms of homes using coal or coke at 2% of the total.