Dubuque, IA—52003
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 $325,000, with a year-over-year change of 5.0%. This indicates that home prices in Dubuque, IA are increasing. According to Zillow, the 1-year price projection is 1.8%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $325,000 | 5.0% |
| Single Family | $326,000 | 4.8% |
| Condos | $310,000 | 8.8% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $223,000 | 8.3% |
3 Bed | $299,000 | 5.7% |
4 Bed | $413,000 | 5.4% |
| 5 Bed | $613,000 | 6.1% |
% of Housing Stock
Rental Trends — Dubuque, IA
As of July '25, Rentcast reports the average rent in Dubuque, IA is $1,680, with a year-over-year rent change of -2.3%. Per bedroom, the median rent as of July '25 in Dubuque, IA is studios: $1,500, 2-bedrooms: $1,260, 3-bedrooms: $1,800, 4-bedrooms: $3,000. The most common rental property sizes in Dubuque, IA are 2-bedroom and 3-bedroom, accounting for 44.5% and 27.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,680 |
| Studio Rent | $1,500 | $1,500 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,400 | $1,260 |
| 3 Bed Rent | $1,800 | $1,800 |
| 4 Bed Rent | $3,000 | $3,000 |
% 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 57. This is a increase of 20.0% 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 26.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $499,000 | 12.0% |
Listing Count | 38 | 20.0% |
| Listings as % of Homes | 0.4% | 20.0% |
Days on Market | 57 | 20.0% |
Demographics — Dubuque, IA
As of the latest ACS Survey released in 2023, Dubuque, IA has a population of 13,700, which has increased by 1.3% over the past 5 years. Dubuque, IA is a moderately popular place for families, as children make up 24.1% of the population. The area has a moderately educated workforce, with 43.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 10.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,700 | 1.3% |
% Under 18 | 24.1% | 4.3% |
% Seniors | 21.1% | 14.1% |
% WFH | 10.9% | 303.7% |
% w/ College Degree | 43.9% | 16.1% |
As of the latest ACS Survey released in 2023, Dubuque, IA is a predominantly white area, with 94.5% of the population identifying as white. The white population has shrunk by 0.5% in the last 5 years. The second most common race or ethnicity in Dubuque, IA is hispanic, making up 2.1% of the population. Foreign-born residents account for 1.1% of the population in Dubuque, IA, and this percentage has decreased by 42.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.5% | -0.5% |
% Black | 0.1% | 0.0% |
% Hispanic | 2.1% | -8.7% |
% Asian | 0.3% | -75.0% |
% Foreign Born | 1.1% | -42.1% |
Mortgage and Risk — Dubuque, IA
According to HUD data as of 2023, there were 312 mortgage originations in Dubuque, IA, of which 96.0% of loans were conventional mortgages. The average loan-to-value was 55.0%, with 17.0% above 90% LTV (elevated). This implies medium mortgage risk in Dubuque, IA. Investor activity is low, as 2.0% 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 | 312 |
% Conventional Loans | 96.0% |
% Government Loans | 4.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Dubuque, IA
Dubuque, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 38 |
Total Units Section 8 | 38 |
% Rentals under Section 8 | 6.5% |
% Occupied Section 8 | 84.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $790 |
| 2 Bedroom | -$370 | $1,400 | $1,030 |
| 3 Bedroom | -$440 | $1,800 | $1,360 |
| 4 Bedroom | -$1,270 | $3,000 | $1,730 |
Affordability — Dubuque, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $325,000 |
| Median Household Income | $96,700 |