Everly, Iowa.
Typical home $162,028 (+2.9% in a year). Spencer, IA metro.
to buy the typical home at today's mortgage rate — +$456 (+116%) since Jan 2020.
- 1 year
- Up $4,562 +3%
- $157,466$162,028 since Sep 2025
- 5 years
- Up $34,297 +27%
- $127,731$162,028 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Everly$850
- Iowa$1,242
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 15 years.
Typical home values in Everly, IA rose 2.9% over the past year — faster than the nation's +1.2%.
Living in Everly, Clay County, Iowa
Everly is a city of 575 people in Clay County. 78% of its homes are lived in by their owners and 22% are rented. Unemployment in Clay County was 3.0% in August 2026, and the county had about as many jobs in 2025 as the year before. The most people in Clay County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Everly is a very small Iowa city, the kind of place where neighbors tend to know one another. Most homes are lived in by their owners, and typical home values are modest. Winters are cold, with January the coldest month, and summers turn warm in July. Rain and melted snow add up to a moderate amount over the year.
Work. Many residents work in schools, hospitals and social care, with others in shops, manufacturing, and restaurants and hotels. Across Clay County, some of the largest workplaces are Spencer Municipal Hospital, the Spencer Comm School District and Walmart. Commutes are typical for a rural area, and few people work from home.
Things to do. The Iowa Great Lakes area lies a longer drive away and offers plenty of time outdoors. West Okoboji Lake and Spirit Lake are both lakes within a longer drive, and Gull Point State Park is a protected area on the same side of the county, also a longer drive away. Cayler Prairie State Preserve, a protected area, is another longer drive for those who like native prairie.
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- 275households
- 26%of adults have a degree
- 6%below the poverty line
- 25 mintypical commute
- 2%work from home
What people in Clay County work in
Employed residents by industry, from the Census survey. Clay County had 8,536 jobs in 2025, about as many as the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 26° and lows near 8°; warmest in July, with highs near 84° and lows near 62°. About 27 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Spencer Municipal Airport weather station, 6 miles away (NOAA).
Largest workplaces in Clay County
- Spencer Municipal HospitalGeneral hospital400FTE
- Spencer Comm School DistrictSchool district327FTE
- WalmartWarehouse clubs and supercenters228
- Hy-VeeSupermarkets and other grocery except convenience stores166
- Menards"home centers"144
- St. Luke Homes & Services, Inc.Nursing facility142
- UPSCouriers and express delivery services113
- Shine BrosMetal scrap and waste merchant wholesalers102
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 30 workplaces with 20 or more staff, 2,408 people in all across the county; Everly has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailVery high
- Winter weatherVery high
- Inland floodingRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Everly’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clay County and the Spencer, IA metro.
Everly home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Everly$162,028
- Iowa$236,623
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Everly address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Everly — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.