Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Iowa
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Iowa ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Montgomery County | 46.2% | $504 | $1,091 |
| 2 | Decatur County | 45.8% | $495 | $1,079 |
| 3 | Union County | 45.5% | $526 | $1,155 |
| 4 | Wapello County | 45.3% | $499 | $1,101 |
| 5 | Emmet County | 45.1% | $467 | $1,033 |
| 6 | Wright County | 45.1% | $482 | $1,068 |
| 7 | Pocahontas County | 45.0% | $408 | $906 |
| 8 | Wayne County | 44.9% | $446 | $992 |
| 9 | Hardin County | 44.2% | $479 | $1,082 |
| 10 | Lucas County | 44.1% | $494 | $1,118 |
| 11 | Keokuk County | 43.8% | $468 | $1,067 |
| 12 | Lee County | 43.7% | $512 | $1,172 |
| 13 | Page County | 43.7% | $497 | $1,137 |
| 14 | Calhoun County | 43.6% | $472 | $1,082 |
| 15 | Audubon County | 43.5% | $454 | $1,043 |
| 16 | Taylor County | 43.5% | $451 | $1,037 |
| 17 | Franklin County | 43.4% | $484 | $1,117 |
| 18 | Adams County | 43.1% | $473 | $1,097 |
| 19 | Marshall County | 43.0% | $540 | $1,256 |
| 20 | Monroe County | 42.9% | $545 | $1,271 |
| 21 | Des Moines County | 42.9% | $550 | $1,281 |
| 22 | Ida County | 42.9% | $436 | $1,016 |
| 23 | Appanoose County | 42.8% | $478 | $1,118 |
| 24 | Palo Alto County | 42.7% | $475 | $1,112 |
| 25 | Cass County | 42.6% | $529 | $1,240 |
| 26 | Henry County | 42.6% | $589 | $1,382 |
| 27 | Van Buren County | 42.6% | $471 | $1,105 |
| 28 | Webster County | 42.5% | $547 | $1,287 |
| 29 | Floyd County | 42.4% | $525 | $1,236 |
| 30 | Hamilton County | 42.4% | $519 | $1,226 |
| 31 | Winnebago County | 42.4% | $519 | $1,225 |
| 32 | Davis County | 42.3% | $571 | $1,350 |
| 33 | Fayette County | 42.2% | $510 | $1,209 |
| 34 | Monona County | 42.0% | $474 | $1,129 |
| 35 | Clinton County | 42.0% | $595 | $1,416 |
| 36 | Tama County | 42.0% | $541 | $1,287 |
| 37 | Howard County | 41.9% | $516 | $1,231 |
| 38 | Mahaska County | 41.9% | $543 | $1,295 |
| 39 | Crawford County | 41.9% | $524 | $1,251 |
| 40 | Cerro Gordo County | 41.7% | $589 | $1,411 |
| 41 | Hancock County | 41.7% | $493 | $1,184 |
| 42 | Adair County | 41.6% | $534 | $1,285 |
| 43 | Louisa County | 41.5% | $522 | $1,256 |
| 44 | Osceola County | 41.4% | $467 | $1,128 |
| 45 | Jefferson County | 41.3% | $605 | $1,466 |
| 46 | Clarke County | 41.2% | $599 | $1,454 |
| 47 | Muscatine County | 41.1% | $642 | $1,562 |
| 48 | Fremont County | 41.0% | $548 | $1,335 |
| 49 | Clayton County | 41.0% | $578 | $1,409 |
| 50 | Humboldt County | 41.0% | $545 | $1,329 |
| 51 | Pottawattamie County | 41.0% | $681 | $1,661 |
| 52 | Butler County | 40.9% | $579 | $1,415 |
| 53 | Greene County | 40.9% | $519 | $1,269 |
| 54 | Buena Vista County | 40.7% | $539 | $1,323 |
| 55 | Woodbury County | 40.7% | $631 | $1,549 |
| 56 | Ringgold County | 40.7% | $551 | $1,353 |
| 57 | Black Hawk County | 40.6% | $665 | $1,639 |
| 58 | Kossuth County | 40.6% | $492 | $1,213 |
| 59 | Linn County | 40.5% | $743 | $1,834 |
| 60 | Shelby County | 40.3% | $564 | $1,398 |
| 61 | Harrison County | 40.3% | $595 | $1,478 |
| 62 | Guthrie County | 40.3% | $590 | $1,465 |
| 63 | Jasper County | 40.2% | $635 | $1,579 |
| 64 | Delaware County | 40.1% | $604 | $1,504 |
| 65 | Sac County | 40.1% | $495 | $1,234 |
| 66 | Worth County | 40.1% | $509 | $1,269 |
| 67 | Buchanan County | 40.0% | $609 | $1,524 |
| 68 | Cherokee County | 39.9% | $515 | $1,290 |
| 69 | Polk County | 39.9% | $880 | $2,206 |
| 70 | Boone County | 39.7% | $672 | $1,693 |
| 71 | Jackson County | 39.6% | $594 | $1,502 |
| 72 | Scott County | 39.4% | $739 | $1,873 |
| 73 | Allamakee County | 39.3% | $594 | $1,512 |
| 74 | Mitchell County | 39.3% | $567 | $1,443 |
| 75 | Iowa County | 39.3% | $655 | $1,668 |
| 76 | Jones County | 39.2% | $632 | $1,611 |
| 77 | Poweshiek County | 39.1% | $631 | $1,615 |
| 78 | Clay County | 39.1% | $588 | $1,503 |
| 79 | Madison County | 39.0% | $808 | $2,073 |
| 80 | Chickasaw County | 38.9% | $560 | $1,437 |
| 81 | Washington County | 38.9% | $678 | $1,744 |
| 82 | Benton County | 38.8% | $672 | $1,731 |
| 83 | Bremer County | 38.6% | $697 | $1,803 |
| 84 | Mills County | 38.6% | $769 | $1,990 |
| 85 | O'Brien County | 38.6% | $534 | $1,382 |
| 86 | Story County | 38.3% | $809 | $2,109 |
| 87 | Warren County | 38.3% | $838 | $2,188 |
| 88 | Marion County | 38.2% | $696 | $1,823 |
| 89 | Cedar County | 38.1% | $657 | $1,723 |
| 90 | Carroll County | 38.1% | $578 | $1,516 |
| 91 | Grundy County | 38.0% | $591 | $1,554 |
| 92 | Johnson County | 37.9% | $955 | $2,520 |
| 93 | Dubuque County | 37.5% | $725 | $1,932 |
| 94 | Plymouth County | 36.7% | $675 | $1,842 |
| 95 | Sioux County | 36.6% | $727 | $1,984 |
| 96 | Dallas County | 36.6% | $1,028 | $2,808 |
| 97 | Winneshiek County | 36.6% | $736 | $2,012 |
| 98 | Lyon County | 35.7% | $640 | $1,791 |
| 99 | Dickinson County | 35.1% | $725 | $2,068 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Iowa