Ranked from ACS 2023 5-Year
Lowest Costs Beyond the Mortgage in Iowa
Where the mortgage is most of what owning costs, and everything else is a thin slice on top. These are the counties where a payoff changes the most: the share in the first column is roughly what you would still be paying every month with no mortgage left at all. Modelled at 20% down at the rate this site currently uses, so the share moves with both.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Iowa ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Dickinson County | 35.1% | $725 | $2,068 |
| 2 | Lyon County | 35.7% | $640 | $1,791 |
| 3 | Winneshiek County | 36.6% | $736 | $2,012 |
| 4 | Dallas County | 36.6% | $1,028 | $2,808 |
| 5 | Sioux County | 36.6% | $727 | $1,984 |
| 6 | Plymouth County | 36.7% | $675 | $1,842 |
| 7 | Dubuque County | 37.5% | $725 | $1,932 |
| 8 | Johnson County | 37.9% | $955 | $2,520 |
| 9 | Grundy County | 38.0% | $591 | $1,554 |
| 10 | Carroll County | 38.1% | $578 | $1,516 |
| 11 | Cedar County | 38.1% | $657 | $1,723 |
| 12 | Marion County | 38.2% | $696 | $1,823 |
| 13 | Warren County | 38.3% | $838 | $2,188 |
| 14 | Story County | 38.3% | $809 | $2,109 |
| 15 | O'Brien County | 38.6% | $534 | $1,382 |
| 16 | Mills County | 38.6% | $769 | $1,990 |
| 17 | Bremer County | 38.6% | $697 | $1,803 |
| 18 | Benton County | 38.8% | $672 | $1,731 |
| 19 | Washington County | 38.9% | $678 | $1,744 |
| 20 | Chickasaw County | 38.9% | $560 | $1,437 |
| 21 | Madison County | 39.0% | $808 | $2,073 |
| 22 | Clay County | 39.1% | $588 | $1,503 |
| 23 | Poweshiek County | 39.1% | $631 | $1,615 |
| 24 | Jones County | 39.2% | $632 | $1,611 |
| 25 | Iowa County | 39.3% | $655 | $1,668 |
| 26 | Mitchell County | 39.3% | $567 | $1,443 |
| 27 | Allamakee County | 39.3% | $594 | $1,512 |
| 28 | Scott County | 39.4% | $739 | $1,873 |
| 29 | Jackson County | 39.6% | $594 | $1,502 |
| 30 | Boone County | 39.7% | $672 | $1,693 |
| 31 | Polk County | 39.9% | $880 | $2,206 |
| 32 | Cherokee County | 39.9% | $515 | $1,290 |
| 33 | Buchanan County | 40.0% | $609 | $1,524 |
| 34 | Worth County | 40.1% | $509 | $1,269 |
| 35 | Sac County | 40.1% | $495 | $1,234 |
| 36 | Delaware County | 40.1% | $604 | $1,504 |
| 37 | Jasper County | 40.2% | $635 | $1,579 |
| 38 | Guthrie County | 40.3% | $590 | $1,465 |
| 39 | Harrison County | 40.3% | $595 | $1,478 |
| 40 | Shelby County | 40.3% | $564 | $1,398 |
| 41 | Linn County | 40.5% | $743 | $1,834 |
| 42 | Kossuth County | 40.6% | $492 | $1,213 |
| 43 | Black Hawk County | 40.6% | $665 | $1,639 |
| 44 | Ringgold County | 40.7% | $551 | $1,353 |
| 45 | Woodbury County | 40.7% | $631 | $1,549 |
| 46 | Buena Vista County | 40.7% | $539 | $1,323 |
| 47 | Greene County | 40.9% | $519 | $1,269 |
| 48 | Butler County | 40.9% | $579 | $1,415 |
| 49 | Pottawattamie County | 41.0% | $681 | $1,661 |
| 50 | Humboldt County | 41.0% | $545 | $1,329 |
| 51 | Clayton County | 41.0% | $578 | $1,409 |
| 52 | Fremont County | 41.0% | $548 | $1,335 |
| 53 | Muscatine County | 41.1% | $642 | $1,562 |
| 54 | Clarke County | 41.2% | $599 | $1,454 |
| 55 | Jefferson County | 41.3% | $605 | $1,466 |
| 56 | Osceola County | 41.4% | $467 | $1,128 |
| 57 | Louisa County | 41.5% | $522 | $1,256 |
| 58 | Adair County | 41.6% | $534 | $1,285 |
| 59 | Hancock County | 41.7% | $493 | $1,184 |
| 60 | Cerro Gordo County | 41.7% | $589 | $1,411 |
| 61 | Crawford County | 41.9% | $524 | $1,251 |
| 62 | Mahaska County | 41.9% | $543 | $1,295 |
| 63 | Howard County | 41.9% | $516 | $1,231 |
| 64 | Tama County | 42.0% | $541 | $1,287 |
| 65 | Clinton County | 42.0% | $595 | $1,416 |
| 66 | Monona County | 42.0% | $474 | $1,129 |
| 67 | Fayette County | 42.2% | $510 | $1,209 |
| 68 | Davis County | 42.3% | $571 | $1,350 |
| 69 | Winnebago County | 42.4% | $519 | $1,225 |
| 70 | Hamilton County | 42.4% | $519 | $1,226 |
| 71 | Floyd County | 42.4% | $525 | $1,236 |
| 72 | Webster County | 42.5% | $547 | $1,287 |
| 73 | Van Buren County | 42.6% | $471 | $1,105 |
| 74 | Henry County | 42.6% | $589 | $1,382 |
| 75 | Cass County | 42.6% | $529 | $1,240 |
| 76 | Palo Alto County | 42.7% | $475 | $1,112 |
| 77 | Appanoose County | 42.8% | $478 | $1,118 |
| 78 | Ida County | 42.9% | $436 | $1,016 |
| 79 | Des Moines County | 42.9% | $550 | $1,281 |
| 80 | Monroe County | 42.9% | $545 | $1,271 |
| 81 | Marshall County | 43.0% | $540 | $1,256 |
| 82 | Adams County | 43.1% | $473 | $1,097 |
| 83 | Franklin County | 43.4% | $484 | $1,117 |
| 84 | Taylor County | 43.5% | $451 | $1,037 |
| 85 | Audubon County | 43.5% | $454 | $1,043 |
| 86 | Calhoun County | 43.6% | $472 | $1,082 |
| 87 | Page County | 43.7% | $497 | $1,137 |
| 88 | Lee County | 43.7% | $512 | $1,172 |
| 89 | Keokuk County | 43.8% | $468 | $1,067 |
| 90 | Lucas County | 44.1% | $494 | $1,118 |
| 91 | Hardin County | 44.2% | $479 | $1,082 |
| 92 | Wayne County | 44.9% | $446 | $992 |
| 93 | Pocahontas County | 45.0% | $408 | $906 |
| 94 | Wright County | 45.1% | $482 | $1,068 |
| 95 | Emmet County | 45.1% | $467 | $1,033 |
| 96 | Wapello County | 45.3% | $499 | $1,101 |
| 97 | Union County | 45.5% | $526 | $1,155 |
| 98 | Decatur County | 45.8% | $495 | $1,079 |
| 99 | Montgomery County | 46.2% | $504 | $1,091 |
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
Lowest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Iowa