In Clinton, a typical home is worth $118,200 and typical rent is $791 a month. Compared with all of Clinton County, the typical home value is 26% lower, typical household income is 10% lower, and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $111,795 to $135,254.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Clinton is in Clinton County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Clinton County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Clinton is worth $118,200,26% less than in Clinton County as a whole ($160,600).
2
69% of households in Clinton own their home, against 75% in Clinton County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Clinton
What homes there are in Clinton, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Clinton
Clinton County
Iowa
United States
Kind of home: Clinton and its comparisons
Measure
Clinton
Clinton County
Iowa
United States
Detached house
73%
78%
72%
61%
Attached house
4%
3%
5%
6%
Building of 2 to 4
8%
7%
6%
8%
Apartments (5 or more)
14%
10%
14%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Clinton, 7 in 10 homes are single-family detached houses; in Clinton County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Clinton
Clinton County
Iowa
United States
Year built: Clinton and its comparisons
Measure
Clinton
Clinton County
Iowa
United States
Before 1960
59%
53%
38%
26%
1960–1979
22%
24%
24%
24%
1980–1999
9%
11%
17%
25%
2000–2009
4%
7%
11%
14%
2010 or later
5%
5%
11%
11%
The typical home in Clinton was built in 1953, 4 years before the typical one in Clinton County.
There are fewer big homes in Clinton than in Clinton County: 56% have 3 bedrooms or more, against 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K40%
$100K–$200K36%
$200K–$300K15%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Clinton and its comparisons
Measure
Clinton
Under $100K
40%
$100K–$200K
36%
$200K–$300K
15%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Clinton are worth less than $500,000, below the FHA loan limit for Clinton County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99958%
HUD fair market rent, 2 bedrooms: $927
$1,000–$1,49920%
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Clinton and its comparisons
Measure
Clinton
Under $500
9%
$500–$999
58%
$1,000–$1,499
20%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Clinton County is $927: about 59% of rents in Clinton are below it.
With a mortgage
$1,190 a month
Clinton County: $1,334 a month
Without a mortgage
$584 a month
Clinton County: $593 a month
Owners with a mortgage
59%
Clinton County: 58%
In Clinton, 59% of owners have a mortgage, and their typical cost is $1,190 a month, against $1,334 in Clinton County. Without one it drops to $584.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Clinton+19%
Clinton County+36%
Iowa+41%
United States+53%
Typical rent
Clinton+15%
Clinton County+25%
Iowa+23%
United States+33%
Typical household income
Clinton+37%
Clinton County+30%
Iowa+24%
United States+29%
Change since 2015–2019: Clinton and its comparisons
Measure
Clinton
Clinton County
Iowa
United States
Typical home value
+19%
+36%
+41%
+53%
Typical rent
+15%
+25%
+23%
+33%
Typical household income
+37%
+30%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Clinton rose 19%; in Clinton County, it rose 36%.
Since 2015–2019, the typical rent in Clinton rose 15%, less than in Clinton County (25%).
Income in Clinton grew faster than housing: it rose 37%, while home values changed +19% and rent +15%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Clinton and its comparisons
Measure
Clinton
Clinton County
Iowa
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.6%
3.4%
People per household
2.21
2.34
2.36
2.53
Drive alone
80%
82%
76%
69%
Carpool
8%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
3%
3%
Work from home
5%
7%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
On average, a household in Clinton has 2.21 people, fewer than in Clinton County (2.34).
To get to work, 80% of workers in Clinton drive alone; in Clinton County, 82%.
Do the math
What would you pay each month for a home in Clinton?
A typical home is within reach of the typical income
We start with a typical home in Clinton, worth $118,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Clinton, which is $60,230 a year.
The calculator's FHA and conventional loan limits are those of all of Clinton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Clinton. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $4,137 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,067
at 7.18% · 30 years
Loan amount
$116,059
Total interest
$166,982
Paid off in
November 2056
Includes $1,996 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,405 a month
Your payment · 21%
Tight
$1,405 to $1,807 a month
Hard
more than $1,807 a month
Compared with the typical household income in Clinton ($60,230 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$786
Property tax
$179
Home insurance
$49
FHA mortgage insurance (MIP)
$52
You need at least $4,137 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,067; principal and interest $786.
The city and its county
Clinton and Clinton County
Clinton is in Clinton County, Iowa. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Clinton
Map of Clinton County, Iowa, with Clinton marked. Around it, the neighboring counties.
Clinton
Clinton County
Other cities with a page
Clinton's own numbers
Typical home value
$118,200
Typical monthly rent
$791
Typical yearly household income
$60,230
Households that own their home
69%
Effective property tax rate
1.82%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clinton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$927
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
3.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Clinton County.
A typical home in Clinton is worth $118,200: 26% below the county and 43% below Iowa. With the typical household income in Clinton ($60,230 a year), a typical home costs 2.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Clinton2.0 years
County2.4 years
Iowa2.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clinton County
According to FHFA’s house price index, home prices in Clinton County rose 59% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clinton County.
Yearly change in FHFA’s price index in Clinton County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +2.8% +2.8% 2017
2018: +2.2% +2.2% 2018
2019: +3.5% +3.5% 2019
2020: +2.4% +2.4% 2020
2021: +8.2% +8.2% 2021
2022: +13.0% +13.0% 2022
2023: +3.2% +3.2% 2023
2024: +5.3% +5.3% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Clinton County, Iowa and the United States
Period
County
Iowa
U.S.
Last year (2025)
+5.1%
+3.2%
+2.9%
5 years (2020–2025)
+40%
+41%
+47%
10 years (2015–2025)
+59%
+65%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Clinton next to Clinton County, Iowa and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Clinton$118,200
County$160,600
Iowa$208,000
United States$332,700
Typical monthly rent
Clinton$791
County$850
Iowa$972
United States$1,413
Typical yearly household income
Clinton$60,230
County$66,981
Iowa$75,059
United States$80,734
See the full table
Clinton next to Clinton County and Iowa
Measure
Clinton
Clinton County
Iowa
U.S.
Typical home value
$118,200 ▼26% below the county
$160,600
$208,000
$332,700
Typical monthly rent
$791 ▼7% below the county
$850
$972
$1,413
Typical yearly household income
$60,230 ▼10% below the county
$66,981
$75,059
$80,734
Households that own their home
69% ▼5 points below the county
75%
72%
65%
Typical yearly property tax
$2,152 ▼13% below the county
$2,461
$2,897
$3,119
Effective property tax rate
1.82% ▲0.29 points above the county
1.53%
1.39%
0.94%
Renters with high rent for their income
53% ▲6 points above the county
48%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clinton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Clinton
For a typical $118,200 home in Clinton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Clinton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,067a month
Least cash to close
Down payment
$4,137
Cash to close
$7,683
Rate
7.18%
Mortgage insurance
FHA MIP · $52
Conventional, 5% down$1,045a month
Down payment
$5,910
Cash to close
$9,456
Rate
7.18%
Mortgage insurance
PMI · $56
Conventional, 20% down, no PMI$869a month
Down payment
$23,640
Cash to close
$27,186
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$978a month
Down payment
$17,730
Cash to close
$21,276
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Clinton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,067
$4,137
$116,059
7.18%
FHA MIP · $52
$7,683
580
Conventional, 5% down
$1,045
$5,910
$112,290
7.18%
PMI · $56
$9,456
620*
Conventional, 20% down, no PMI
$869
$23,640
$94,560
7.18%
None
$27,186
620*
ITIN, 15% down (example)
$978
$17,730
$100,470
8.18%
None
$21,276
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Clinton is $791 a month: 7% below the county. In Clinton, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clinton County, by unit size. To pay the 2-bedroom one ($927 a month) without spending more than 30% of your income, you would need to earn $17.83 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clinton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$646
$12.42
$25,840
1 bedroom
$709
$13.63
$28,360
2 bedrooms
$927
$17.83
$37,080
3 bedrooms
$1,190
$22.88
$47,600
4 bedrooms
$1,549
$29.79
$61,960
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Clinton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Clinton is in ZIP code 52732.
For 2 bedrooms it is $930: $3 more than the fair market rent for Clinton County ($927).
Fair market rent by ZIP code and size in Clinton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
52732
$650
$710
$930
$1,190
$1,550
ZIP code2 bd3 bd
52732 $930$1,190
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Clinton when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 12 buildings with rents for lower incomes in Clinton. These are the largest.
Park Tower329 6th Ave S, Clinton 5273271 low-income homes · For older adults(563) 242-8843
Lyons Manor318 Main Ave, Clinton 5273250 low-income homes · For older adults(563) 242-5308
Unselected2700 S 19th St, Clinton 5273250 low-income homes · Run by Low Rent Housing Agency of Clinton · Average payment: $437 a month · Average wait: 17 months · Homes at several sites(563) 243-1280
4th Avenue Lofts238 4th Ave N, Clinton 5273248 homes, 43 low-income · 1 bd: 6 · 2 bd: 36 · 4 bd: 6 · In service since 2018 · For families
Countryside of Clinton1130 N 11th St, Clinton 5273232 homes, 31 low-income · 1 bd: 8 · 2 bd: 24 · In service since 2001 · For older adults, people with disabilities
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Clinton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Clinton or Clinton County. The ones below are statewide in Iowa: they work in Clinton the same as in the rest of the state.
With the Iowa state authority's FirstHome mortgage, a first-time buyer can get a second loan of up to 3% of the price (maximum $10,000) or up to 5% (maximum $15,000), with no monthly payments, repaid when you sell, refinance or pay off the mortgage.Offered by Iowa Finance Authority (IFA).
Iowa state authority second loan, with the Homes for Iowans mortgage, of up to 3% of the price (maximum $10,000) or 5% (maximum $15,000) for the down payment and closing costs; no monthly payments, and for any buyer.Offered by Iowa Finance Authority (IFA).
No legal help resource on our list is for Clinton or Clinton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Clinton and all of Clinton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Clinton?
The typical home value in Clinton is $118,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clinton County it is $160,600.
How much does it cost to rent in Clinton?
Typical rent in Clinton is $791 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clinton County is $927.
What is the FHA loan limit in Clinton?
Clinton uses the FHA limit for all of Clinton County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Clinton?
The typical homeowner in Clinton pays $2,152 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Clinton County, the rate is 1.53%.
Where can I find free help to buy or rent in Clinton?
We found no HUD-approved counseling agencies with an office in Clinton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
