How much house can I afford on $80,000 in Iowa?
About $269,000 with 20% down ($217,000 with an FHA loan), using Iowa's 1.27% property tax rate.
That is $32,294 more than the typical Iowa home ($236,623), so a $80,000 salary can buy a typical home here. The payment of $1,867 covers $1,447 principal and interest, $285 property tax and $134 insurance.
Counties in Iowa you can afford on $80,000
83 of 99 counties have a typical home value at or below $269,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Lyon County | $266,451 | +12.2% | 0.87% |
| Allamakee County | $262,926 | +7.6% | 1.27% |
| Bremer County | $258,393 | +1.9% | 1.29% |
| Cedar County | $254,794 | +5.5% | 1.22% |
| Scott County | $250,205 | +5.3% | 1.47% |
| Delaware County | $243,977 | +4.2% | 1.34% |
| Linn County | $242,923 | +3.0% | 1.66% |
| Jones County | $241,542 | +7.8% | 1.33% |
| Pottawattamie County | $240,980 | +3.0% | 1.57% |
| Jackson County | $238,489 | +5.5% | 1.23% |
| Washington County | $236,044 | +5.4% | 1.37% |
| Iowa County | $233,726 | +4.6% | 1.36% |
| Boone County | $232,390 | +2.6% | 1.37% |
| Davis County | $232,165 | +2.0% | 1.4% |
| Jasper County | $229,091 | +4.2% | 1.41% |
| Harrison County | $223,581 | +4.6% | 1.32% |
| Poweshiek County | $223,287 | +7.8% | 1.22% |
| Grundy County | $218,375 | +2.0% | 1.14% |
| Chickasaw County | $216,973 | +5.1% | 1.02% |
| Buchanan County | $215,302 | +4.7% | 1.36% |
| Mitchell County | $213,898 | +4.1% | 1.1% |
| Shelby County | $212,688 | +4.2% | 1.28% |
| Carroll County | $212,289 | +6.1% | 1.09% |
| Woodbury County | $207,499 | +2.8% | 1.45% |
| Muscatine County | $205,712 | +5.6% | 1.5% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.27% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Iowa
Frequently asked questions
How much house can I afford on $80,000 in Iowa?
About $269,000 with 20% down at 7.11%, keeping the payment (with Iowa's 1.27% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Iowa?
Yes: the typical Iowa home is worth $236,623 (Zillow, September 2026) and $80,000 supports about $269,000. 83 of 99 counties are within budget.