Cheapest ZIPs in Shelby County, IA

No ZIP in Shelby County, IAclears the HavenScore: 60 quality floor this month — in high-cost counties, low prices and strong scores rarely overlap. Below is the affordable end anyway: the county’s most affordable scored ZIPs, ranked by median home value with each ZIP’s score shown. Refreshed October 2026.

  1. 1
    51446
    Irwin, IA
    $161,306
    HavenScore: 52
  2. 2
    51531
    Elk Horn, IA
    $198,041
    HavenScore: 54
  3. 3
    51537
    Harlan, IA
    $207,043
    HavenScore: 56
  4. 4
    51527
    Defiance, IA
    $214,832
    HavenScore: 50
  5. 5
    51530
    Earling, IA
    $242,803
    HavenScore: 46
  6. 6
    51570
    Shelby, IA
    $257,766
    HavenScore: 51
  7. 7
    51562
    Panama, IA
    $261,464
    HavenScore: 46
  8. 8
    51565
    Portsmouth, IA
    $278,871
    HavenScore: 56

Related pages

Frequently asked questions

Why doesn't this list use the usual quality floor?
Cheapest-ZIPs lists normally include only ZIPs with HavenScore: 60 or above. No ZIP in Shelby County, IA clears that floor this month, so this page shows the county's most affordable scored ZIPs instead — with each ZIP's HavenScore shown, so the trade-off stays visible.
How is "most affordable" measured here?
ZIPs are ranked by median home value from lowest to highest across every scored ZIP in Shelby County, IA. Because no ZIP clears the quality floor this month, no score filter is applied to this list.
How often is this list updated?
This page refreshes monthly when our pipeline ingests new data from Zillow, Redfin, Census, FHFA, and FRED.