Total monthly cost of ownership
Cost to Own a Home in Pocahontas, Iowa
A $97,000 home here costs
$934per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $499. The real number is $435 higher every month — 87% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pocahontas against Pocahontas County and Iowa
| Measure | Pocahontas | Pocahontas County |
|---|---|---|
| Median home value | $96,600 | $93,300 |
| Median property tax | $1,401 | $1,066 |
| Effective tax rate | 1.450% | 1.143% |
| Median gross rent | $700 | $743 |
| Population | 1,536 | 7,040 |
The weather behind that power bill
Pocahontas sits in Pocahontas County, which averages a high of 84.4°F in its hottest month and a low of 7.5°F in its coldest, with 32.79" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 789 cooling and 7,344 heating degree days, which is what sets the $127 electricity line above.
See the full climate breakdown for Pocahontas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pocahontas County
Full Pocahontas County cost breakdown · Every county in Iowa
Common questions
How much does it cost to own a home in Pocahontas?
A $97,000 home in Pocahontas, Iowa costs approximately $934 per month with 20% down at 6.66%. That is $499 principal and interest, $117 property tax, $42 homeowners insurance, $195 utilities and $81 set aside for maintenance.
What is the property tax rate in Pocahontas?
Pocahontas has an effective property tax rate of 1.450%, based on a median home value of $96,600 and median real estate taxes of $1,401. That is higher than the Pocahontas County average of 1.143%.
What is the average home price in Pocahontas?
The median owner-occupied home value in Pocahontas, Iowa is $96,600, against $93,300 across Pocahontas County.
Is it cheaper to rent or buy in Pocahontas?
Median gross rent in Pocahontas is $700 a month, against $934 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pocahontas — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Iowa.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.