Dubuque, IA home prices
Typical home $277,234 · +4.3% in a year · income needed $82,100
The Dubuque, IA metro area ranks 374 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.3% in a year and +30.3% over five years. With 20% down at 7.11%, the typical home costs about $1,915 a month including 1.23% property tax (Dubuque County rate).
Mortgage on the typical Dubuque home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,447 | $221,787 | $1,492 | $0 | $423 | $1,915 | $82,100 |
| 10% down | $27,723 | $249,510 | $1,678 | $104 | $423 | $2,205 | $94,500 |
| 5% down | $13,862 | $263,372 | $1,772 | $110 | $423 | $2,304 | $98,800 |
| 3.5% down (FHA) | $9,703 | $272,212 | $1,831 | $123 | $423 | $2,377 | $101,900 |
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.
Counties in the Dubuque area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Dubuque County, IA | $277,182 | +4.3% | 1.23% |
What can you afford in Iowa on your salary? · Iowa home prices · Salaries in Iowa
Frequently asked questions
How much is a house in Dubuque?
The typical home in the Dubuque, IA metro area is worth $277,234 (Zillow, September 2026).
What salary do you need to buy a house in Dubuque?
About $82,100 a year for the typical home with 20% down at 7.11%.