Scott County presents a tension between modest county-value growth and softer visible listing conditions, with labor evidence adding uncertainty. Underwriters needing a demonstrated rent cushion should investigate further; those relying on appreciation or a quick resale should be cautious. Zillow’s 2026-06 median home value was $190,030, up 0.69% year over year, while FHFA’s separate 2025 repeat-transaction HPI rose 2.69%. The HPI supports a positive directional signal, but it is not a dollar home value and cannot be blended with Zillow’s differently dated measure.
Realtor.com’s 2026-06 MLS evidence showed 84 active listings, a 4.15% year-over-year decline in median asking listing price, and 43.82% of listings with price reductions. These are visible supply, seller asking-price, and concession measures—not closed-sale prices or proof of buyer demand. The 0.51% effective property-tax rate is a carrying-cost input alongside acquisition price. Market rent is not published, so gross yield cannot be computed. HUD’s $925 two-bedroom Fair Market Rent is a payment standard, not an estimate of local asking rent.
Net migration of 118 tax-return households and a $10,115 higher average AGI for movers-in than movers-out provide a favorable household-composition clue, but do not establish housing demand or tenure choice. Investors accounted for 6.67% of purchases, or 10 of 150, indicating limited measured investor participation rather than broad buyer competition. QCEW annual covered employment at county workplaces fell 2.35% while the average covered-worker wage rose 5.13%. This is neither resident employment nor an unemployment measure. Manufacturing is the largest disclosed private supersector, not a description of the entire county economy.
Inland flood is the dominant hazard, and modeled expected annual building-value loss is 0.12%. That is a modeled ratio, not a property-specific loss estimate. Parcel flood-zone status, elevation, insurance quotes, condition, closed-sale comparables, market-rent comps, vacancy, and operating expenses are not published in the record. Their absence prevents a yield, cash-flow, insurance, or resale-value conclusion; those are the next underwriting checks.