$115,000
106 Highway 141
Bayard, IA
3 bd1 ba1,199 sqft$96/ft²
House21,780 sqft lot
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Bayard, IA Housing Market
Balanced market-9.1% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through March 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Bayard, IA is worth $113,540, fell 9.1% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $35,000, -63.2% year over year (through May 2026). With 1.0 months of supply and homes going under contract in about 223 days, Bayard is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $113,540 home is about $606/mo in principal and interest.
Key numbers for Bayard, IA
Typical home value
$113,540
-9.1% in 12 months
Zillow, August 2026
Median sale price
$35,000
-63.2% year over year
Redfin, through March 2026
Days on market
223
Slow-moving
Redfin, through March 2026
Active listings
1
1.0 months of supply
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$43,750
Home costs 2.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
87.7%
Selling below asking
Redfin, through March 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Bayard a buyer's or seller's market?
Balanced market1.0 months of supply223 days on market87.7% of asking
Bayard, IA is a balanced market, based on 1.0 months of supply and homes selling in about 223 days. Under 2 months of supply is a severe shortage: expect competition on almost anything priced correctly, and little room to negotiate below asking.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Bayard housing market data show?
Every row below is Redfin's final published month for Bayard, IA. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $35,000 |
| Year-over-year price change | -63.2% |
| Median price per sq ft | $27/sq ft |
| Median days on market | 223 days |
| Active inventory | 1 listings |
| Months of supply | 1.0 months |
| Sale-to-list price ratio | 87.7% |
| Homes sold (that month) | 1 |
| Listings with a price cut | 100.0% |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Bayard is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Bayard is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Bayard home prices moved?
Across the 16 months we hold for Bayard, IA, the median sale price fell 30.0%, from $50,000 in May 2021 to $35,000. The live Zillow value series has fell 9.1% in the last 12 months, which is the more current read now that Redfin's series has stopped. 100.0% of Bayard listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 1.0 months while the sale-to-list ratio slips below its current 87.7%. Watch those two together — they move before the median does.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Bayard?
Priced off the typical home value of $113,540 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $22,708 | $90,832 | $606/mo |
| 5% | $5,677 | $107,863 | $720/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $606, that implies roughly $25,977 a year before you add taxes and insurance. The median household in Bayard earns $43,750, about $17,773 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 2.6x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Bayard in the next 12 months?
Tell us your timeline. We send the Bayard market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Bayard?
Zillow does not publish a rent index (ZORI) for Bayard, IA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Bayard?
Active listings in Bayard, IA went from 4 in October 2021 to 1 in March 2026, a -75.0% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| October 2021 | 4 | 3 |
| December 2021 | 3 | not published |
| February 2022 | 1 | 1 |
| March 2024 | 1 | not published |
| August 2024 | 1 | not published |
| March 2025 | 2 | 1 |
| July 2025 | 3 | 2 |
| August 2025 | 3 | 1 |
| December 2025 | 1 | not published |
| January 2026 | 2 | 1 |
| March 2026 | 1 | not published |
Redfin, through March 2026
How does Bayard compare to Iowa and the U.S.?
Bayard homes sell for $35,000 — 86% below the Iowa median of $258,700. Against the national median of $410,700, Bayard runs 91% lower. Year-over-year, Bayard moved -63.2% against Iowa's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Bayard, IA | $35,000 | -63.2% | 223 days |
| Iowa statewide | $258,700 | +2.3% | 37 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through March 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Bayard
What buyers should watch
- Months of supply, currently 1.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 100.0%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $114 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $113,540 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Bayard listing goes under contract in 223 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 87.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- Your equity moved -9.1% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Bayard varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Bayard
There are currently 1 homes listed for sale in Bayard, Iowa.
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Active listings
1
Homes on market
Avg. days on market
223
Days until sale
Price drops:100.0%of listings
Sale-to-list:87.7%
How much do homes cost in Bayard by property type?
How the Bayard, IA market breaks down across single-family homes, condos and townhouses. Redfin, through March 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $35,000 | $27/sq ft | 1 | 223 days |
Who lives in Bayard?
American Community Survey estimates for Bayard. U.S. Census ACS, 2023
Population
399
Households
178
Median income
$43,750/yr
Median age
39.1 years
Owner-occupied
78.1%
Median home value
$57,700
Median gross rent
$917/mo
Mean commute
31.6 min
78.1% of occupied homes in Bayard are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $57,700 against Zillow's $113,540 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Bayard, IA?
Ordered by distance from Bayard, not by size. Compare Bayard side by side with any of them.
Bayard housing market FAQ
Is Bayard a buyer's or seller's market?
Bayard, IA is currently a balanced market. That read comes from 1.0 months of supply, homes going under contract in about 223 days, and sellers getting 87.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Bayard?
The typical home in Bayard, IA is worth $113,540 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $35,000, about $27 per square foot.
Is Bayard cheaper than the rest of Iowa?
Bayard's median sale price of $35,000 is 86% lower than the Iowa statewide median of $258,700, and 91% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Bayard?
Homes in Bayard, IA spent a median of 223 days on market before going under contract, versus 37 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Bayard?
At the current 30-year fixed rate of 7.03%, 20% down on a $113,540 home is about $606 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $25,977 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $43,750.
Are home prices rising in Bayard?
The typical home value in Bayard, IA fell 9.1% over the last 12 months, from $124,973 to $113,540 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Bayard?
Bayard ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Bayard?
That depends on your timeline, not on a headline. What the data says today: Bayard, IA is a balanced market with 1.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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