Total monthly cost of ownership
Cost to Own a Home in Fruitland, Iowa
A $219,000 home here costs
$1,897per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $81,500 a year.
A standard mortgage calculator would have told you $1,194. The real number is $703 higher every month, 59% more than the payment most buyers budget for.
Compare Muscatine County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Fruitland from a five-year rolling sample, and with about 1,107 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Muscatine County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Fruitland against Muscatine County and Iowa
| Measure | Fruitland | Muscatine County |
|---|---|---|
| Median home value | $219,000 | $172,400 |
| Median property tax | $2,581 | $2,667 |
| Effective tax rate | 1.179% | 1.547% |
| Median gross rent | — | $966 |
| Population | 1,107 | 42,735 |
The weather behind that power bill
Fruitland sits in Muscatine County, which averages a high of 84.1°F in its hottest month and a low of 13.9°F in its coldest, with 38.33" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 897 cooling and 6,284 heating degree days, which is what sets the $142 electricity line above.
See the full climate breakdown for Muscatine County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Muscatine County
Talk to someone who works this market
These are Fruitland averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Fruitland every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Fruitland I already own here and may sell
Common questions
How much does it cost to own a home in Fruitland?
A $219,000 home in Fruitland, Iowa costs approximately $1,897 per month with 20% down at 7.24%. That is $1,194 principal and interest, $215 property tax, $95 homeowners insurance, $210 utilities and $183 set aside for maintenance.
What is the property tax rate in Fruitland?
Fruitland has an effective property tax rate of 1.179%, based on a median home value of $219,000 and median real estate taxes of $2,581. That is lower than the Muscatine County average of 1.547%.
What is the average home price in Fruitland?
The median owner-occupied home value in Fruitland, Iowa is $219,000, against $172,400 across Muscatine County.
Is it cheaper to rent or buy in Fruitland?
Rent data is not published for Fruitland at this level of detail.
What salary do you need to buy a home in Fruitland?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Fruitland, Iowa at today's rate takes a household income of roughly $81,500 a year. That covers the full $1,897 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fruitland, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Iowa.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.