Dubuque, IA—52001
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Dubuque, IA
As of Oct '25, the median home price in Dubuque, IA is $199,000, with a year-over-year change of 5.8%. This indicates that home prices in Dubuque, IA are increasing. According to Zillow, the 1-year price projection is 1.7%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $199,000 | 5.8% |
| Single Family | $197,000 | 5.9% |
| Condos | $238,000 | 9.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $119,000 | 12.3% |
2 Bed | $165,000 | 8.6% |
3 Bed | $210,000 | 7.7% |
4 Bed | $249,000 | 6.9% |
| 5 Bed | $311,000 | 6.1% |
% of Housing Stock
Rental Trends — Dubuque, IA
As of July '25, Rentcast reports the average rent in Dubuque, IA is $1,170, with a year-over-year rent change of 3.5%. Per bedroom, the median rent as of July '25 in Dubuque, IA is studios: $900, 1-bedrooms: $874, 2-bedrooms: $1,060, 3-bedrooms: $1,430, 4-bedrooms: $1,950. The most common rental property sizes in Dubuque, IA are 2-bedroom and 1-bedroom, accounting for 36.9% and 26.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,000 | $1,170 |
| Studio Rent | $750 | $900 |
| 1 Bed Rent | $800 | $874 |
| 2 Bed Rent | $950 | $1,060 |
| 3 Bed Rent | $1,400 | $1,430 |
| 4 Bed Rent | $1,620 | $1,950 |
% of Rental Stock
Property Listings — Dubuque, IA
As of Oct '25, Realtor.com reports that the median days on market for a home in Dubuque, IA is 40. This is a increase of 28.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 41.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $222,000 | 19.0% |
Listing Count | 83 | 1.0% |
| Listings as % of Homes | 0.1% | 1.0% |
Days on Market | 40 | 28.0% |
Demographics — Dubuque, IA
As of the latest ACS Survey released in 2023, Dubuque, IA has a population of 43,100, which has remained stable by -1.0% over the past 5 years. Dubuque, IA is a moderately popular place for families, as children make up 18.8% of the population. The area has a moderately educated workforce, with 30.2% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 43,100 | -1.0% |
% Under 18 | 18.8% | -9.6% |
% Seniors | 19.2% | 20.0% |
% WFH | 9.8% | 172.2% |
% w/ College Degree | 30.2% | 13.5% |
As of the latest ACS Survey released in 2023, Dubuque, IA is a predominantly white area, with 84.4% of the population identifying as white. The white population has shrunk by 3.2% in the last 5 years. The second most common race or ethnicity in Dubuque, IA is black, making up 4.8% of the population. Foreign-born residents account for 3.8% of the population in Dubuque, IA, and this percentage has increased by 18.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 84.4% | -3.2% |
% Black | 4.8% | -25.0% |
% Hispanic | 4.1% | 57.7% |
% Asian | 1.4% | 27.3% |
% Foreign Born | 3.8% | 18.8% |
Mortgage and Risk — Dubuque, IA
According to HUD data as of 2023, there were 877 mortgage originations in Dubuque, IA, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Dubuque, IA. Investor activity is low, as 3.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 877 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — Dubuque, IA
As of 2024, the percent of homes in Dubuque, IA under the Section 8 program is 19.1%. This is considered high, suggesting that the neighborhood is heavily composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Dubuque, IA, because HUD payments exceed market rent, while 1-bedroom and 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 1,350 |
Total Units Section 8 | 1,350 |
% Rentals under Section 8 | 19.1% |
% Occupied Section 8 | 86.5% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$50 | $800 | $750 |
| 2 Bedroom | $30 | $950 | $980 |
| 3 Bedroom | -$110 | $1,400 | $1,290 |
| 4 Bedroom | $30 | $1,620 | $1,650 |
Affordability — Dubuque, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $199,000 |
| Median Household Income | $60,900 |