Clayton County, IA Average Home Price (2026)
The average home price in Clayton County, Iowa is about $284,000 (the 2026 median across 14 ZIP codes, at ~$153/sq ft) — 37% more expensive than the Iowa median and 2% more affordable than the typical U.S. home.
How Clayton County compares
Clayton County is about average for housing nationally: its typical home costs $284,000 against $207,500 for Iowa and $289,000 for the U.S. Within the county, ZIP-level values run from about $133,000 to $329,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Clayton County | $284,000 | $153 |
| Iowa | $207,500 | $133 |
| United States | $289,000 | $193 |
Clayton County home prices by ZIP code
The 14 most valuable ZIP codes in Clayton County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 52048 Garber | $329,000 | $173 | +16% |
| 52156 Luana | $329,000 | $188 | +16% |
| 52077 Volga | $319,000 | $168 | +12% |
| 52042 Edgewood | $313,000 | $175 | +10% |
| 52072 Saint Olaf | $308,000 | $162 | +8% |
| 52076 Dundee | $295,000 | $87 | +4% |
| 52066 North Buena Vista | $285,000 | $150 | +0% |
| 52043 Elkader | $283,000 | $108 | +0% |
| 52052 Guttenberg | $278,000 | $155 | -2% |
| 52047 Farmersburg | $277,000 | $146 | -2% |
| 52035 Earlville | $261,000 | $104 | -8% |
| 52049 Garnavillo | $260,000 | $92 | -8% |
| 52157 McGregor | $246,000 | $271 | -13% |
| 52158 Marquette | $133,000 | $68 | -53% |
Home value appreciation in Clayton County
Home prices in Clayton County have risen about 70% over the last 10 years (≈5.4% a year) and +99.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $284,000 today was worth roughly $167,354 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Iowa is +65.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Clayton County
Run the numbers for Clayton County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Clayton County
To buy the typical $284,000 home in Clayton County with 20% down, you need a household income of roughly $77,000 a year (about $1,800 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $92,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $14,200 | $2,240/mo | $96,000/yr |
| 10% (+PMI) | $28,400 | $2,140/mo | $92,000/yr |
| 20% | $56,800 | $1,800/mo | $77,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Clayton County
At about $153 per square foot, here is roughly how much home different budgets get you in Clayton County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 980 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1310 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1630 sq ft | around the typical home here |
| $300k | 1960 sq ft | around the typical home here |
| $400k | 2610 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Iowa.
Estimate a specific home in Clayton County
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Clayton County home prices: frequently asked
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Browse all Iowa cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.