In Keokuk, a typical home is worth $104,300 and typical rent is $871 a month. Compared with all of Lee County, the typical home value is 26% lower, typical household income is 16% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $84,048 to $83,141.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Keokuk is in Lee 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 Lee County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Keokuk fell 6.8%; in Iowa, it rose 3.3%.
2
The typical home in Keokuk is worth $104,300,26% less than in Lee County as a whole ($141,400).
3
64% of households in Keokuk own their home, against 76% in Lee County.
4
The typical household income in Keokuk is $52,711,16% less than in Lee County as a whole ($62,382).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Keokuk
What homes there are in Keokuk, 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
Keokuk
Lee County
Iowa
United States
Kind of home: Keokuk and its comparisons
Measure
Keokuk
Lee County
Iowa
United States
Detached house
73%
81%
72%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
9%
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
8%
14%
19%
Mobile home
4%
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Keokuk, 7 in 10 homes are single-family detached houses; in Lee County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Keokuk
Lee County
Iowa
United States
Year built: Keokuk and its comparisons
Measure
Keokuk
Lee County
Iowa
United States
Before 1960
62%
50%
38%
26%
1960–1979
20%
27%
24%
24%
1980–1999
12%
14%
17%
25%
2000–2009
3%
6%
11%
14%
2010 or later
Unreliable estimate
4%
11%
11%
The typical home in Keokuk was built in 1951, 9 years before the typical one in Lee County.
There are fewer big homes in Keokuk than in Lee County: 57% have 3 bedrooms or more, against 60%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K48%
$100K–$200K36%
$200K–$300K9%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Keokuk and its comparisons
Measure
Keokuk
Under $100K
48%
$100K–$200K
36%
$200K–$300K
9%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50022%
$500–$99944%
HUD fair market rent, 2 bedrooms: $976
$1,000–$1,49928%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Keokuk and its comparisons
Measure
Keokuk
Under $500
22%
$500–$999
44%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
Measured against HUD's 2-bedroom fair market rent ($976), about 64% of rented homes in Keokuk cost less.
With a mortgage
$1,316 a month
Lee County: $1,303 a month
Without a mortgage
$528 a month
Lee County: $535 a month
Owners with a mortgage
46%
Lee County: 51%
In Keokuk, 46% of owners have a mortgage; their typical cost is $1,316 a month, about the same as in Lee County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Keokuk+47%
Lee County+50%
Iowa+41%
United States+53%
Typical rent
Keokuk+34%
Lee County+25%
Iowa+23%
United States+33%
Typical household income
Keokuk+33%
Lee County+26%
Iowa+24%
United States+29%
Change since 2015–2019: Keokuk and its comparisons
Measure
Keokuk
Lee County
Iowa
United States
Typical home value
+47%
+50%
+41%
+53%
Typical rent
+34%
+25%
+23%
+33%
Typical household income
+33%
+26%
+24%
+29%
Homes in Keokuk gained value more slowly than in Lee County: 47% since 2015–2019, against 50%.
The typical rent in Keokuk rose 34% over the same time; in Lee County, it rose 25%.
To compare: typical income in Keokuk rose 33%; the home, +47%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Keokuk and its comparisons
Measure
Keokuk
Lee County
Iowa
United States
Rental vacancy
Unreliable estimate
7.4%
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
2.18
2.21
2.36
2.53
Drive alone
85%
82%
76%
69%
Carpool
5%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
3%
3%
Work from home
Unreliable estimate
6%
11%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
Much as in Lee County, a household in Keokuk has 2.18 people on average.
To get to work, 85% of workers in Keokuk drive alone; in Lee County, 82%.
Do the math
What would you pay each month for a home in Keokuk?
A typical home is within reach of the typical income
We start with a typical home in Keokuk, worth $104,300, 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 Keokuk, which is $52,711 a year.
The calculator's FHA and conventional loan limits are those of all of Lee 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 Keokuk. 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 $3,651 (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
$939
at 7.18% · 30 years
Loan amount
$102,410
Total interest
$147,344
Paid off in
November 2056
Includes $1,761 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,230 a month
Your payment · 21%
Tight
$1,230 to $1,581 a month
Hard
more than $1,581 a month
Compared with the typical household income in Keokuk ($52,711 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$694
Property tax
$156
Home insurance
$44
FHA mortgage insurance (MIP)
$46
You need at least $3,651 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 $939; principal and interest $694.
The city and its county
Keokuk and Lee County
Keokuk is in Lee 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).
Keokuk
Map of Lee County, Iowa, with Keokuk marked. Around it, the neighboring counties.
Keokuk
Lee County
Other cities with a page
Keokuk's own numbers
Typical home value
$104,300
Typical monthly rent
$871
Typical yearly household income
$52,711
Households that own their home
64%
Effective property tax rate
1.79%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$976
Price change over 5 years (FHFA)
+40%
Homes in a high flood-risk zone
5.3%
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 Lee County.
A typical home in Keokuk is worth $104,300: 26% below the county and 50% below Iowa. With the typical household income in Keokuk ($52,711 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.
Keokuk2.0 years
Lee2.3 years
Iowa2.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lee County
According to FHFA’s house price index, home prices in Lee County rose 53% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lee County.
Yearly change in FHFA’s price index in Lee County, 2016 to 2025
2016: +4.9% +4.9% 2016
2017: −1.2% −1.2% 2017
2018: −0.6% −0.6% 2018
2019: +0.9% +0.9% 2019
2020: +5.2% +5.2% 2020
2021: +9.5% +9.5% 2021
2022: +12.4% +12.4% 2022
2023: +1.2% +1.2% 2023
2024: +4.9% +4.9% 2024
2025: +7.2% +7.2% 2025
Change in FHFA’s price index in Lee County, Iowa and the United States
Period
County
Iowa
U.S.
Last year (2025)
+7.2%
+3.2%
+2.9%
5 years (2020–2025)
+40%
+41%
+47%
10 years (2015–2025)
+53%
+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
Keokuk next to Lee 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
Keokuk$104,300
Lee$141,400
Iowa$208,000
United States$332,700
Typical monthly rent
Keokuk$871
Lee$835
Iowa$972
United States$1,413
Typical yearly household income
Keokuk$52,711
Lee$62,382
Iowa$75,059
United States$80,734
See the full table
Keokuk next to Lee County and Iowa
Measure
Keokuk
Lee County
Iowa
U.S.
Typical home value
$104,300 ▼26% below the county
$141,400
$208,000
$332,700
Typical monthly rent
$871 ▲4% above the county
$835
$972
$1,413
Typical yearly household income
$52,711 ▼16% below the county
$62,382
$75,059
$80,734
Households that own their home
64% ▼13 points below the county
76%
72%
65%
Typical yearly property tax
$1,870 ▼4% below the county
$1,955
$2,897
$3,119
Effective property tax rate
1.79% ▲0.41 points above the county
1.38%
1.39%
0.94%
Renters with high rent for their income
53% ▲4 points above the county
49%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lee 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 Keokuk
For a typical $104,300 home in Keokuk, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Keokuk's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$939a month
Least cash to close
Down payment
$3,651
Cash to close
$6,780
Rate
7.18%
Mortgage insurance
FHA MIP · $46
Conventional, 5% down$920a month
Down payment
$5,215
Cash to close
$8,344
Rate
7.18%
Mortgage insurance
PMI · $50
Conventional, 20% down, no PMI$764a month
Down payment
$20,860
Cash to close
$23,989
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$861a month
Down payment
$15,645
Cash to close
$18,774
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Keokuk
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$939
$3,651
$102,411
7.18%
FHA MIP · $46
$6,780
580
Conventional, 5% down
$920
$5,215
$99,085
7.18%
PMI · $50
$8,344
620*
Conventional, 20% down, no PMI
$764
$20,860
$83,440
7.18%
None
$23,989
620*
ITIN, 15% down (example)
$861
$15,645
$88,655
8.18%
None
$18,774
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 Keokuk is $871 a month: 4% above the county. In Keokuk, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lee County, by unit size. To pay the 2-bedroom one ($976 a month) without spending more than 30% of your income, you would need to earn $18.77 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 Lee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$680
$13.08
$27,200
1 bedroom
$746
$14.35
$29,840
2 bedrooms
$976
$18.77
$39,040
3 bedrooms
$1,295
$24.90
$51,800
4 bedrooms
$1,448
$27.85
$57,920
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 Keokuk
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Keokuk is in ZIP code 52632.
For 2 bedrooms it is $980: $4 more than the fair market rent for Lee County ($976).
Fair market rent by ZIP code and size in Keokuk, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
52632
$680
$750
$980
$1,300
$1,450
ZIP code2 bd3 bd
52632 $980$1,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Keokuk 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 7 buildings with rents for lower incomes in Keokuk. These are the largest.
Mississippi Terrace111 S 2nd St, Keokuk 52632212 homes, 181 low-income · Run by Keokuk Housing Authority · Average payment: $345 a month · Average wait: 2 months(319) 524-4386
Westport Terrace950 Johnson Street Rd, Keokuk 5263272 low-income homes · 2 bd: 48 · 3 bd: 16 · 4 bd: 8 · In service since 2011 · For families
Hotel Iowa401 Main St, Keokuk 5263253 homes, 48 low-income · 1 bd: 32 · 2 bd: 16 · In service since 2006 · For older adults
River Terrace Apartments128 Bank St, Keokuk 5263246 low-income homes · For older adults(319) 524-8856
Keokuk Senior Lofts925 Main St, Keokuk 5263245 homes, 40 low-income · 1 bd: 10 · 2 bd: 35 · In service since 2017 · For older adults
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 Lee 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 Keokuk or Lee County. The ones below are statewide in Iowa: they work in Keokuk 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 Keokuk or Lee 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 Keokuk and all of Lee 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 Keokuk?
The typical home value in Keokuk is $104,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lee County it is $141,400.
How much does it cost to rent in Keokuk?
Typical rent in Keokuk is $871 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lee County is $976.
What is the FHA loan limit in Keokuk?
Keokuk uses the FHA limit for all of Lee 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 Keokuk?
The typical homeowner in Keokuk pays $1,870 a year, according to the U.S. Census Bureau. That is 1.79% of the home’s value; in Lee County, the rate is 1.38%.
Where can I find free help to buy or rent in Keokuk?
We found no HUD-approved counseling agencies with an office in Lee County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
