The median home in Cedar Falls, Iowa is valued at $255,429, up 3.5% year over year. Typical monthly rent is $1,441, producing a price-to-rent ratio of 14.8x — below the national average of 18x. Cedar Falls is part of the Waterloo-Cedar Falls, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Waterloo-Cedar Falls, IA stress score, crash risk, and 12-month forecast →

Home Value$255,429

+3.5%

Rent$1,441/mo

AFFORDABILITY

Enter your income for Cedar Falls.

Income (annual)

Down Payment

$51,086 on $255,429

Stretch — 28.4% of income

Above 28% but manageable with cuts.

PITI$1,776

P/I28.4%

Afford$252K

Gap-$4K

P&I $1,292Tax $334Ins $150

Renting $335/mo cheaper ($1,441 rent)6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Cedar Falls with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Waterloo-Cedar Falls, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Waterloo-Cedar Falls, IA metro.

View Waterloo-Cedar Falls, IA metro →

CEDAR FALLS, IA