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Cost of homeownership in Clinton County, Iowa

Real dollar cost of ownership, rent-vs-buy analysis, and flood risk, backed by Census ACS, FEMA, and FHFA data. Population: 46,488.

Median home value
$144,900
Median property tax
$2,315
Monthly owner cost
$1,270
with mortgage
Affordability (cost % of income)
16.8%

Total annual ownership cost

Breakdown of what owning a typical home in Clinton County costs each year.

  • Property taxes$2,315
  • Insurance estimate$1,500
  • Utilities / energy$1,482
  • Maintenance (1% of value)$1,449
  • Total$6,746/yr · $562/mo

Insurance and energy figures typically vary by property. Adjust in the calculators for a personalized estimate.

Total
$6,746
/ year

Rent vs. buy in Clinton County

Pre-filled with local median home value, median gross rent (Census ACS / HUD FMR), and current FRED rate.

Flood risk

Historical signal from FEMA National Flood Insurance Program.

MODERATE RISK
Total claims
35
Avg claim
$7,773
Active policies
28
Avg premium
$697
NFIP policy

Risk bucket is normalized as historical claims per 1,000 housing units, not raw count, so dense urban counties aren't penalized for size alone. Buckets: low (<1), moderate (1–10), high (10–50), very-high (50+). Clinton County: 1.83 per 1,000. Historical claims do not capture uninsured properties. For parcel-level flood-zone designations, use FEMA's Map Service Center.

Full flood-risk breakdown →

Home price trend in Iowa

FHFA House Price Index, quarterly.

vs. Iowa average
Home value below state average.
Property tax above state average.
Homeownership
73.3%

Share of units owner-occupied (Census ACS).

Median household income
$61,080

Census ACS 5-year estimate.

Housing cost burden in Clinton County

Share of households paying 30% or more of income on housing (HUD CHAS 2017-2021). HUD does not publish county-level CHAS rollups through the public API, so Iowa state data is shown for local context alongside the US average.

Iowa: 30%+ cost burdened
30.0%
912,970 households surveyed
Iowa: severely burdened (50%+)
13.0%
Paying at least half of income on housing.
Owner vs renter burden
Owner 30%+: 25.8%
Renter 30%+: 22.7%
Renters typically carry a heavier cost burden than owners with a fixed-rate mortgage.

Affordability by income bracket

Monthly 30% housing budget at each income vs the median owner cost in Clinton County. Bars above the dashed line can absorb this county's typical ownership cost.

HUD area median income (4-person household) for Iowa: $99,800. Income limits define 80% AMI at $79,850 and 50% AMI at $49,900.

Frequently asked questions

How much does it cost to own a home in Clinton County?

Based on Census ACS, typical total annual cost in Clinton County is around $6,746 ($562 per month), covering property tax, insurance estimate, utilities, and 1% maintenance. Your actual cost varies by home age, size, and location within the county.

What is the property tax in Clinton County?

Median annual property tax is $2,315 on the county's median home value of $144,900 (Census ACS).

Is it cheaper to rent or buy in Clinton County?

On a monthly cash-flow basis, the typical owner-cost-with-mortgage in Clinton County runs about 60% above the county's median rent. That comparison doesn't account for the opportunity cost on your down payment, maintenance reserve, transaction costs, or how long you plan to stay — use the calculator below to model your specific break-even year against your time horizon.

What is the flood risk in Clinton County?

moderate historical flood-risk signal from FEMA NFIP: 35 claims (1.83 per 1,000 housing units), average claim $7,773. Bucket reflects claim density, not absolute claim count.

Data sources

Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.