Dubuque, IA—52002
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 $332,000, with a year-over-year change of 5.3%. 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 | $332,000 | 5.3% |
| Single Family | $336,000 | 5.0% |
| Condos | $232,000 | 9.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $264,000 | 7.8% |
3 Bed | $297,000 | 5.3% |
4 Bed | $402,000 | 5.0% |
| 5 Bed | $519,000 | 5.1% |
% of Housing Stock
Rental Trends — Dubuque, IA
As of July '25, Rentcast reports the average rent in Dubuque, IA is $1,960, with a year-over-year rent change of -9.3%. Per bedroom, the median rent as of July '25 in Dubuque, IA is 1-bedrooms: $2,250, 2-bedrooms: $925, 3-bedrooms: $2,080, 4-bedrooms: $2,500. The most common rental property sizes in Dubuque, IA are 2-bedroom and 1-bedroom, accounting for 60.0% and 24.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,250 | $1,960 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,250 | $2,250 |
| 2 Bed Rent | $925 | $925 |
| 3 Bed Rent | $1,800 | $2,080 |
| 4 Bed Rent | $2,500 | $2,500 |
% 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 29. This is a increase of 65.0% 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 39.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $445,000 | 2.0% |
Listing Count | 31 | -7.0% |
| Listings as % of Homes | 0.2% | -7.0% |
Days on Market | 29 | 65.0% |
Demographics — Dubuque, IA
As of the latest ACS Survey released in 2023, Dubuque, IA has a population of 17,900, which has increased by 7.2% over the past 5 years. Dubuque, IA is a popular place for families, as children make up 25.1% of the population. The area has a moderately educated workforce, with 40.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 17,900 | 7.2% |
% Under 18 | 25.1% | -3.8% |
% Seniors | 19.4% | 9.6% |
% WFH | 13.3% | 259.5% |
% w/ College Degree | 40.0% | -3.4% |
As of the latest ACS Survey released in 2023, Dubuque, IA is a predominantly white area, with 88.3% of the population identifying as white. The white population has shrunk by 5.3% in the last 5 years. The second most common race or ethnicity in Dubuque, IA is black, making up 3.5% of the population. Foreign-born residents account for 5.9% of the population in Dubuque, IA, and this percentage has increased by 68.6% 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 | 88.3% | -5.3% |
% Black | 3.5% | 150.0% |
% Hispanic | 0.8% | -33.3% |
% Asian | 3.0% | 15.4% |
% Foreign Born | 5.9% | 68.6% |
Mortgage and Risk — Dubuque, IA
According to HUD data as of 2023, there were 318 mortgage originations in Dubuque, IA, of which 93.0% of loans were conventional mortgages. The average loan-to-value was 52.0%, with 12.0% above 90% LTV (elevated). This implies medium mortgage risk in Dubuque, IA. Investor activity is low, as 0.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 318 |
% Conventional Loans | 93.0% |
% Government Loans | 7.0% |
% Investor Loans | 0.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Dubuque, IA
As of 2024, the percent of homes in Dubuque, IA under the Section 8 program is 11.0%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 2-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 and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 212 |
Total Units Section 8 | 212 |
% Rentals under Section 8 | 11.0% |
% Occupied Section 8 | 83.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$1,420 | $2,250 | $830 |
| 2 Bedroom | $155 | $925 | $1,080 |
| 3 Bedroom | -$370 | $1,800 | $1,430 |
| 4 Bedroom | -$690 | $2,500 | $1,810 |
Affordability — Dubuque, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $332,000 |
| Median Household Income | $88,100 |