Clayton County, Iowa home prices
Typical home $287,556 · +13.2% in a year · property tax 1.29%
The typical home in Clayton County is worth $287,556, 22% more than the Iowa typical home ($236,623). Values changed +13.2% in the past year and +42.4% over five years. Homeowners here pay a median 1.29% of their home's value in property tax each year ($3,722 on the typical home), versus 1.27% statewide.
Mortgage on the typical Clayton County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $57,511 | $230,045 | $1,548 | $0 | $454 | $2,001 | $85,800 |
| 10% down | $28,756 | $258,801 | $1,741 | $108 | $454 | $2,303 | $98,700 |
| 5% down | $14,378 | $273,179 | $1,838 | $114 | $454 | $2,405 | $103,100 |
| 3.5% down (FHA) | $10,064 | $282,348 | $1,899 | $127 | $454 | $2,481 | $106,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.29% 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.
What it takes: see what you can afford by salary in Iowa.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Story County | $292,064 | +2.7% | 1.4% |
| Benton County | $282,938 | +9.5% | 1.31% |
| Plymouth County | $292,290 | +5.5% | 1.07% |
| Mills County | $280,495 | +3.2% | 1.47% |
| Polk County | $279,097 | +0.2% | 1.68% |
| Dubuque County | $277,182 | +4.3% | 1.23% |
| Guthrie County | $273,068 | +5.7% | 1.22% |
| Marion County | $271,088 | +2.9% | 1.22% |
| Sioux County | $308,457 | +3.6% | 1.12% |
| Lyon County | $266,451 | +12.2% | 0.87% |
Frequently asked questions
What is the average home price in Clayton County, IA?
The typical home value in Clayton County is $287,556 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Clayton County?
About $85,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Clayton County?
The median effective rate is 1.29% of home value a year (Census ACS 2024 5-year estimates).