Housing decision brief
Dubuque County, IA Housing Market
Dubuque County screens as a higher purchase price, rent that needs comparison, a manageable tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
89th lowest home value out of 99 Iowa counties with data | 88th lowest rent out of 99
Median home value
$226,100
Purchase-price signal from Census ACS.
Median rent
$944/mo
Gross rent, including utilities where reported.
Monthly owner cost
$1,141/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.0x
Median home value divided by local household income.
Rent burden
27.0%
Below 30% usually screens as less pressured.
Rent vs own
$197/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Rent burden below pressure line
27.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Buyers comparing homes to local incomes
Poor Fit For
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Dubuque County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $226,100 | $148,600 | $281,900 | 52% pressure52% above Iowa county median |
Median gross rent Lower usually helps affordability. | $944 | $800 | $1,163 | 18% pressure18% above Iowa county median |
Monthly owner cost Lower usually helps affordability. | $1,141 | $886 | $1,672 | 29% pressure29% above Iowa county median |
Median household income | $75,919 | $68,704 | $74,755 | 11% favorable11% above Iowa county median |
Effective property-tax rate Lower usually helps affordability. | 1.26% | 1.34% | 1.02% | 6% favorable6% below Iowa county median |
Rent burden Lower usually helps affordability. | 27.00% | 25.00% | N/A | 8% pressure27.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$38,159
Median income minus rent threshold.
Owner cushion
+$27,019
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Dubuque County offers affordable rental housing at a median of $944/month , about 14.9% of the typical household income here.
Rent vs own
The median rent in Dubuque County is $944/month, while owner costs run $1,141/month. Renting saves approximately $197/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $37,760/year. For owner costs at the 28% rule, the required income is roughly $48,900/year. With a median household income of $75,919, most households can comfortably afford rent here. Notably, 27.0% of renter households in Dubuque County are cost-burdened, spending more than 30% of income on housing.
Regional context
Dubuque County sits 6% more expensive than Mills County ($888/month) in terms of median gross rent.
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Scott County, IA | $212,500 | $958/mo | Same-state comparison near $212,500 home value and $958/mo rent. |
| Linn County, IA | $204,400 | $915/mo | Same-state comparison near $204,400 home value and $915/mo rent. |
| Dickinson County, IA | $251,600 | $930/mo | Same-state comparison near $251,600 home value and $930/mo rent. |
| Marion County, IA | $211,100 | $880/mo | Same-state comparison near $211,100 home value and $880/mo rent. |
| Plymouth County, IA | $218,600 | $865/mo | Same-state comparison near $218,600 home value and $865/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Dubuque County
Is Dubuque County affordable for buying a home?
Is renting or owning cheaper in Dubuque County?
How much income do you need for housing in Dubuque County?
What should I double-check before moving to Dubuque County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.