Español

Este sitio también está en español. Leer en español

City · 6,818 residents · Scott County, Iowa

Eldridge , Iowa

In Eldridge, a typical home is worth $350,500 and typical rent is $945 a month. Compared with all of Scott County, the typical home value is 58% higher, typical household income is 36% higher, and the share of households that own their home is 16 points higher.

WhatsApp

  • Typical home value

    $350,500

    58% above the county

    69% above Iowa

    • Eldridge
    • Scott
    • Iowa

  • Typical rent

    $945a month

    6% below the county

    3% below Iowa

    • Eldridge
    • Scott
    • Iowa

  • Typical household income

    $106,316a year

    36% above the county

    42% above Iowa

    • Eldridge
    • Scott
    • Iowa

  • Households that own their home

    86%

    16 points above the county

    14 points above Iowa

    • Eldridge
    • Scott
    • Iowa

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$358,267
5.3% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Eldridge is in Scott 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 Scott County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Eldridge apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Clinton, the typical home value is $118,200: 66% less than in Eldridge ($350,500).

  2. The typical home in Eldridge is worth $350,500, 58% more than in Scott County as a whole ($222,000).

  3. Eldridge has the 4th highest homeownership rate of the 86 cities in Iowa with more than 5,000 people (86%).

  4. The typical household income in Eldridge is $106,316, 36% more than in Scott County as a whole ($78,277).

  5. Nearby, in Clinton, the typical rent is $791: 16% less than in Eldridge ($945).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Eldridge

What homes there are in Eldridge, 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

In Eldridge, 7 in 10 homes are single-family detached houses; in Scott County, 7.

Year built

Homes in Eldridge are newer: the typical year built is 2002; in Scott County, 1972.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,934 a month

Scott County: $1,572 a month

Without a mortgage

$604 a month

Scott County: $611 a month

Owners with a mortgage

72%

Scott County: 66%

In Eldridge, 72% of owners have a mortgage, and their typical cost is $1,934 a month, against $1,572 in Scott County. Without one it drops to $604.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, home values in Eldridge rose at about the same pace as in Scott County: 38% against 36%.

Much as in Scott County, the typical rent in Eldridge rose 28% since 2015–2019.

Here income gained ground: typical income rose 48%, against +38% for home values and +28% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEldridgeScott CountyIowaUnited States
Rental vacancy Unreliable estimate5.6%5.7%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.2%1.6%3.4%
People per household 2.412.342.362.53
Drive alone 80%79%76%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home Unreliable estimate11%11%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate10 to 19 minutes10 to 19 minutes20 to 29 minutes

By size, households in Eldridge look like those in Scott County: 2.41 people on average.

To get to work, 80% of workers in Eldridge drive alone; in Scott County, 79%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Eldridge?

A typical home is tight for the typical income

We start with a typical home in Eldridge, worth $350,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Eldridge, which is $106,316 a year. For that payment to be 28% of income, a household would need to earn about $126,590 a year.

The calculator's FHA and conventional loan limits are those of all of Scott County.

Your numbers

Local data
$

Starts at the typical home value in Eldridge. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $12,268 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,954

at 7.18% · 30 years

Loan amount
$344,151
Total interest
$495,153
Paid off in
November 2056

Includes $5,919 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,481 a month

  • Tight

    $2,481 to $3,189 a month

    Your payment · 33%

  • Hard

    more than $3,189 a month

Compared with the typical household income in Eldridge ($106,316 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,954
Principal & interest$2,331
Property tax$321
Home insurance$146
FHA mortgage insurance (MIP)$155

You need at least $12,268 for the down payment, plus closing costs.

Next step

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.

The city and its county

Eldridge and Scott County

Eldridge is in Scott 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).

Eldridge's own numbers

Typical home value
$350,500
Typical monthly rent
$945
Typical yearly household income
$106,316
Households that own their home
86%
Effective property tax rate
1.1%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Scott County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,056
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
3%

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 Scott County.

Everything about Scott County

Buying

Buying a home in Eldridge

A typical home in Eldridge is worth $350,500: 58% above the county and 69% above Iowa. With the typical household income in Eldridge ($106,316 a year), a typical home costs 3.3 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.

  • Eldridge 3.3 years
  • Scott 2.8 years
  • Iowa 2.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Scott County

According to FHFA’s house price index, home prices in Scott County rose 58% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Scott County.

Period County Iowa U.S.
Last year (2025) +4.1% +3.2% +2.9%
5 years (2020–2025) +38% +41% +47%
10 years (2015–2025) +58% +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

Eldridge next to Scott 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
  • Eldridge $350,500
  • Scott $222,000
  • Iowa $208,000
  • United States $332,700
Typical monthly rent
  • Eldridge $945
  • Scott $1,005
  • Iowa $972
  • United States $1,413
Typical yearly household income
  • Eldridge $106,316
  • Scott $78,277
  • Iowa $75,059
  • United States $80,734
See the full table
Eldridge next to Scott County and Iowa
Measure Eldridge Scott County Iowa U.S.
Typical home value $350,500 $222,000 $208,000 $332,700
Typical monthly rent $945 $1,005 $972 $1,413
Typical yearly household income $106,316 $78,277 $75,059 $80,734
Households that own their home 86% 70% 72% 65%
Typical yearly property tax $3,843 $3,273 $2,897 $3,119
Effective property tax rate 1.1% 1.47% 1.39% 0.94%
Renters with high rent for their income 46% 47% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Scott 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 Eldridge

For a typical $350,500 home in Eldridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eldridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,954a month

    Least cash to close
    Down payment
    $12,268
    Cash to close
    $22,783
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $155

  • Conventional, 5% down $2,890a month

    Down payment
    $17,525
    Cash to close
    $28,040
    Rate
    7.18%
    Mortgage insurance
    PMI · $166

  • Conventional, 20% down, no PMI $2,367a month

    Down payment
    $70,100
    Cash to close
    $80,615
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,691a month

    Down payment
    $52,575
    Cash to close
    $63,090
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Eldridge and for Scott County.

Property tax

Effective rate in Eldridge

1.1%of the home’s value each year

$3,843 a year for the typical owner in Eldridge.

  • Eldridge 1.1%
  • Scott 1.47%
  • Iowa 1.39%

What Iowa publishes Homestead exemption: 10% of taxable value (Iowa Department of Revenue)

Exemptions and deadlines in Iowa

Flood risk in Scott County

FEMA does not publish these numbers by city: they are for all of Scott County.

Homes in the high-risk zone
3%
1,816
Of those, with NFIP insurance
24%
County Iowa U.S.
Homes in the high-risk zone 3% 2.2% 3.5%
Of those, with NFIP insurance 24% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Eldridge

Typical rent in Eldridge is $945 a month: 6% below the county. In Eldridge, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Scott County, by unit size. To pay the 2-bedroom one ($1,056 a month) without spending more than 30% of your income, you would need to earn $20.31 an hour working full time.

HUD fair market rent for all of Scott County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $787 $15.13 $31,480
1 bedroom $852 $16.38 $34,080
2 bedrooms $1,056 $20.31 $42,240
3 bedrooms $1,396 $26.85 $55,840
4 bedrooms $1,697 $32.63 $67,880

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 Eldridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eldridge is in ZIP code 52748.

For 2 bedrooms it is $1,050: $6 less than the fair market rent for Scott County ($1,056).

  • 52748 $1,050$1,390

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eldridge 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Eldridge

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 Scott County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Eldridge

No down payment, repair or rent-help program on our list is for Eldridge or Scott County. The ones below are statewide in Iowa: they work in Eldridge the same as in the rest of the state.

Which programs do I qualify for? All programs in Iowa

Housing counselors near Eldridge

The HUD-approved agencies closest to the center of Eldridge, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Muscatine Municipal Housing Agency

    215 Sycamore St, Muscatine · 28 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (563) 264-1554

  • Catholic Charities of the Archdiocese of Dubuque

    1229 Mount Loretta Ave, Dubuque · 59 miles away · Spanish

    Also serves in Creole, French, and Swahili.

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (563) 588-0558

  • Eastern Iowa Regional Housing Authority

    7600 Commerce Park, Dubuque · 60 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 1 more
    (563) 556-4166

All counseling agencies in Iowa

Help in Spanish near Eldridge

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Eldridge

In HUD’s record, no housing authority with an office in Scott County is named for Eldridge or Scott County.

One other authority has an office in Scott County: see the list Source: HUD

Cities

Other cities in Scott County

These cities are also in Scott County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Scott County Housing in Iowa

Nearby cities

The cities closest to Eldridge, with the typical home value.

Neighboring counties

If Scott County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Eldridge.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Eldridge

Short answers with the numbers for Eldridge and all of Scott 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 Eldridge?

The typical home value in Eldridge is $350,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Scott County it is $222,000.

How much does it cost to rent in Eldridge?

Typical rent in Eldridge is $945 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Scott County is $1,056.

What is the FHA loan limit in Eldridge?

Eldridge uses the FHA limit for all of Scott 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 Eldridge?

The typical homeowner in Eldridge pays $3,843 a year, according to the U.S. Census Bureau. That is 1.1% of the home’s value; in Scott County, the rate is 1.47%.

Where can I find free help to buy or rent in Eldridge?

We found no HUD-approved counseling agencies with an office in Scott County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).