The typical owner-occupied home in Sergeant Bluff is worth about $298,500, 44% above the Iowa median of $208,000 and 10% below the national median of $332,700. Owners pay a median $3,561 a year in property taxes, about 1.19% of their home's value, lower than the Iowa rate of 1.39%. The median household earns $123,481 a year, so the median home costs 2.4 times the median income (2.8 times for Iowa). 73% of occupied homes here are lived in by their owners, and 66% of those owners still have a mortgage.
Sergeant Bluff at a glance
| Sergeant Bluff | Iowa | U.S. | |
|---|---|---|---|
| Median home value | $298,500 | $208,000 | $332,700 |
| Median property tax paid per year | $3,561 | $2,897 | $3,119 |
| Property tax as a share of value | 1.19% | 1.39% | 0.94% |
| Median household income | $123,481 | $75,059 | $80,734 |
| Homes lived in by their owners | 73% | 72% | 65% |
| Owner homes with a mortgage | 66% | 59% | 61% |
| Median monthly costs, owners with a mortgage | $2,049 | $1,533 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 18.7% | 21.0% |
| Median rent | $1,156 | $972 | $1,413 |
| Rent as a share of renters' income | 20.1% | 27.4% | 30.6% |
| Median year homes were built | 1996 | 1972 | 1980 |
| Vacant homes | 7.6% | 8.5% | 10.1% |
| Population | 5,171 | 3,210,507 | 334,922,499 |
What a typical home costs per month in Sergeant Bluff
At this week's average 30-year rate of 7.11%, buying the median Sergeant Bluff home of $298,500 with 20% down costs about $2,027 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,524, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $86,863 for the 20%-down payment. That payment is 20% of the median Sergeant Bluff household income of $123,481; at that income and 20% down, the 28% guideline points to a home of about $424,000.
The median rent here is $1,156 a month, so owning the median home costs about $871 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $59,700 |
|---|---|
| Loan amount | $238,800 |
| Principal and interest | $1,606 |
| Property taxes (1.19% a year) | $296 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| PMI | $0 |
| Total per month | $2,027 |
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| Down payment | $10,448 |
|---|---|
| Loan amount | $293,093 |
| Principal and interest | $1,972 |
| Property taxes (1.19% a year) | $296 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| FHA mortgage insurance | $132 |
| Total per month | $2,524 |
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Questions about home buying in Sergeant Bluff
What is the median home value in Sergeant Bluff?
About $298,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Sergeant Bluff?
Homeowners pay a median $3,561 a year, which is about 1.19% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Sergeant Bluff?
For the median home with 20% down at 7.11%, the payment is about $2,027 a month. Keeping that under 28% of gross income takes about $86,863 a year.
More about Sergeant Bluff
- Mortgage Refinance in Sergeant Bluff
- Debt Relief in Sergeant Bluff
- Home Equity Loans in Sergeant Bluff
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data