Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$277,234+4.3% YoY · prices are rising fast
Market right nowBuyer's marketMore homes for sale than last year, 27% have cut their price
Income needed to buy, per year$60,098About 0.7× the local median income ($80,355): affordable for a typical household
Days on market42 daysAbout the same pace as a year ago
Next 12 months+3.3%Zillow expects prices to rise slightly
The typical home in Dubuque, IA is worth $277,234, up 4.3% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $253,136, so the area is 9.5% overvalued. It is a buyer's market: homes take about 42 days to sell, listings are up 36% from a year ago, 27% of listings have had a price cut. Zillow expects prices to rise about 3.3% over the next year. A household needs about $60,098 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $80,355. Typical rent is $1,063 a month, or $1,549 for a house. In the latest IRS figures, 86 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$277,234
Change in 1 year
+4.3%
Overvalued %
+9.5%
Show 7 more
Fair home value
$253,136
Change in 5 years
+30.3%
Zillow forecast, next 12 months
+3.3%
Home value to income
3.5×
Monthly mortgage payment (20% down)
$1,502
Income needed to afford it
$60,098
Property tax rate
1.23%
Rent and investing
Typical rent
$1,063
Typical rent for houses
$1,549
Price-to-rent ratio
21.7×
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HUD Fair Market Rent, 2 bedrooms
$1,131
Gross rental yield
4.60%
Cap rate (estimate)
2.99%
Market activity
Listings vs a year ago
+36.5%
Days on market
42
Listings with a price cut
27.2%
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Homes for sale
217
Pending sales per 100 listings
12
Asking price per sq ft
$163
People and jobs
Median household income
$80,355
Population change (1 year)
+0.4%
Unemployment rate
3.7%
Show 4 more
Population
99,381
Income adjusted for cost of living
$92,045
Net moves in (IRS)
+86
Cost of living (US = 100)
87.3
Schools, risk and environment
School rating (1 to 10)
5.8
FEMA hazard risk score (0 to 100)
63.6
Flood risk score
65.4
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Wildfire risk score
22.8
Walkability (1 to 20)
7.3
Road, rail and air noise
53 dB
Questions people ask
Is Dubuque, IA overvalued?
Home prices in Dubuque, IA are slightly above what local incomes have historically supported: fair value is about $253,136, so the area is 9.5% overvalued.
Is Dubuque, IA a buyer's or seller's market?
Dubuque, IA is a buyer's market: homes take about 42 days to sell, listings are up 36% from a year ago, 27% of listings have had a price cut.
Are home prices going down in Dubuque, IA?
Home values in Dubuque, IA are up 4.3% over the last year. Zillow's forecast for the next 12 months is +3.3%.
How much do you need to earn to buy a home in Dubuque, IA?
A household needs about $60,098 a year to afford the typical home in Dubuque, IA at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $80,355.