Dubuque County, Iowa home prices
Typical home $277,182 · +4.3% in a year · property tax 1.23%
The typical home in Dubuque County is worth $277,182, 17% more than the Iowa typical home ($236,623). Values changed +4.3% in the past year and +30.3% over five years. Homeowners here pay a median 1.23% of their home's value in property tax each year ($3,410 on the typical home), versus 1.27% statewide.
Mortgage on the typical Dubuque County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,436 | $221,745 | $1,492 | $0 | $423 | $1,914 | $82,000 |
| 10% down | $27,718 | $249,464 | $1,678 | $104 | $423 | $2,205 | $94,500 |
| 5% down | $13,859 | $263,323 | $1,771 | $110 | $423 | $2,304 | $98,700 |
| 3.5% down (FHA) | $9,701 | $272,161 | $1,831 | $123 | $423 | $2,376 | $101,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.23% 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 · part of the Dubuque metro area.
Iowa counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Polk County | $279,097 | +0.2% | 1.68% |
| Mills County | $280,495 | +3.2% | 1.47% |
| Guthrie County | $273,068 | +5.7% | 1.22% |
| Benton County | $282,938 | +9.5% | 1.31% |
| Marion County | $271,088 | +2.9% | 1.22% |
| Clayton County | $287,556 | +13.2% | 1.29% |
| Lyon County | $266,451 | +12.2% | 0.87% |
| Allamakee County | $262,926 | +7.6% | 1.27% |
| Story County | $292,064 | +2.7% | 1.4% |
| Plymouth County | $292,290 | +5.5% | 1.07% |
Frequently asked questions
What is the average home price in Dubuque County, IA?
The typical home value in Dubuque County is $277,182 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Dubuque County?
About $82,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Dubuque County?
The median effective rate is 1.23% of home value a year (Census ACS 2024 5-year estimates).