The median home in Clear Lake, Iowa is valued at $313,726, up 4.2% year over year. Clear Lake is part of the Mason City, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$313,726

+4.2%

Prices rising — worse for buyers.

Affordability

Enter your income for Clear Lake.

Income (annual)

Down Payment

$62,745 on $313,726

Example: $75,000 household income. Change it above to see your own.

Stretch34.4% of income

Above 28% but manageable with cuts.

PITI$2,147

P/I34.4%

Afford$256K

Gap-$58K

P&I $1,586Tax $410Ins $150

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 Clear Lake 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 Mason City, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Mason City, IA metro.

View Mason City, IA metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Clear Lake, IA