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City · 6,075 residents · Jackson County, Iowa

Maquoketa , Iowa

In Maquoketa, a typical home is worth $132,500 and typical rent is $795 a month. Compared with all of Jackson County, the typical home value is 24% lower, typical household income is 19% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $132,500

    24% below the county

    36% below Iowa

    • Maquoketa
    • Jackson
    • Iowa

  • Typical rent

    $795a month

    About the same as the county

    18% below Iowa

    • Maquoketa
    • Jackson
    • Iowa

  • Typical household income

    $60,240a year

    19% below the county

    20% below Iowa

    • Maquoketa
    • Jackson
    • Iowa

  • Households that own their home

    70%

    11 points below the county

    2 points below Iowa

    • Maquoketa
    • Jackson
    • Iowa

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

Market now, with Zillow data

Zillow data
Typical home value
$202,212
5.3% more than 12 months ago

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

Maquoketa is in Jackson 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 Jackson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Maquoketa apart

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

  1. The typical home in Maquoketa is worth $132,500, 24% less than in Jackson County as a whole ($175,000).

  2. The typical household income in Maquoketa is $60,240, 19% less than in Jackson County as a whole ($74,186).

  3. 70% of households in Maquoketa own their home, against 81% in Jackson County.

  4. Maquoketa has the 8th largest share of rent-burdened renters of the 81 cities in Iowa with more than 5,000 people (55%).

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

The homes here

Housing in Maquoketa

What homes there are in Maquoketa, 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 houses are the majority in Maquoketa (73%), but less so than in Jackson County (82%).

Year built

In Maquoketa, half of the homes were built before 1964; in Jackson County, before 1970.

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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Maquoketa sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,183 a month

Jackson County: $1,375 a month

Without a mortgage

$489 a month

Jackson County: $552 a month

Owners with a mortgage

52%

Jackson County: 54%

The typical cost for an owner with a mortgage in Maquoketa is $1,183 a month, less than in Jackson County ($1,375); without one, $489.

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

The typical home value in Maquoketa rose 46% since 2015–2019, more than in Jackson County (37%).

The typical rent in Maquoketa rose 33% over the same time; in Jackson County, it rose 29%.

While home values in Maquoketa changed +46% and rent +33%, the typical household income rose 35%.

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

MeasureMaquoketaJackson CountyIowaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.5%1.6%3.4%
People per household 2.212.322.362.53
Drive alone 78%81%76%69%
Carpool 10%5%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%3%3%
Work from home 10%10%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimateUnreliable estimate10 to 19 minutes20 to 29 minutes

Much as in Jackson County, a household in Maquoketa has 2.21 people on average.

Carpooling is common in Maquoketa: 10% of workers get to work that way, against 5% in Jackson County.

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 Maquoketa?

A typical home is within reach of the typical income

We start with a typical home in Maquoketa, worth $132,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Maquoketa, which is $60,240 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Maquoketa. 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 $4,638 (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

$1,135

at 7.18% · 30 years

Loan amount
$130,100
Total interest
$187,183
Paid off in
November 2056

Includes $2,238 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,406 a month

    Your payment · 23%

  • Tight

    $1,406 to $1,807 a month

  • Hard

    more than $1,807 a month

Compared with the typical household income in Maquoketa ($60,240 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,135
Principal & interest$881
Property tax$140
Home insurance$55
FHA mortgage insurance (MIP)$59

You need at least $4,638 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

Maquoketa and Jackson County

Maquoketa is in Jackson 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).

Maquoketa's own numbers

Typical home value
$132,500
Typical monthly rent
$795
Typical yearly household income
$60,240
Households that own their home
70%
Effective property tax rate
1.27%

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

Numbers for all of Jackson 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)
+53%
Homes in a high flood-risk zone
2.6%

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 Jackson County.

Everything about Jackson County

Buying

Buying a home in Maquoketa

A typical home in Maquoketa is worth $132,500: 24% below the county and 36% below Iowa. With the typical household income in Maquoketa ($60,240 a year), a typical home costs 2.2 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.

  • Maquoketa 2.2 years
  • Jackson 2.4 years
  • Iowa 2.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Jackson County

According to FHFA’s house price index, home prices in Jackson County rose 79% in the 10 years through 2025.

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

Period County Iowa U.S.
Last year (2025) +11.7% +3.2% +2.9%
5 years (2020–2025) +53% +41% +47%
10 years (2015–2025) +79% +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

Maquoketa next to Jackson 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
  • Maquoketa $132,500
  • Jackson $175,000
  • Iowa $208,000
  • United States $332,700
Typical monthly rent
  • Maquoketa $795
  • Jackson $807
  • Iowa $972
  • United States $1,413
Typical yearly household income
  • Maquoketa $60,240
  • Jackson $74,186
  • Iowa $75,059
  • United States $80,734
See the full table
Maquoketa next to Jackson County and Iowa
Measure Maquoketa Jackson County Iowa U.S.
Typical home value $132,500 $175,000 $208,000 $332,700
Typical monthly rent $795 $807 $972 $1,413
Typical yearly household income $60,240 $74,186 $75,059 $80,734
Households that own their home 70% 81% 72% 65%
Typical yearly property tax $1,678 $2,159 $2,897 $3,119
Effective property tax rate 1.27% 1.23% 1.39% 0.94%
Renters with high rent for their income 55% 45% 44% 51%

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

For a typical $132,500 home in Maquoketa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Maquoketa's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,135a month

    Least cash to close
    Down payment
    $4,638
    Cash to close
    $8,613
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,111a month

    Down payment
    $6,625
    Cash to close
    $10,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $914a month

    Down payment
    $26,500
    Cash to close
    $30,475
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,036a month

    Down payment
    $19,875
    Cash to close
    $23,850
    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 Maquoketa and for Jackson County.

Property tax

Effective rate in Maquoketa

1.27%of the home’s value each year

$1,678 a year for the typical owner in Maquoketa.

  • Maquoketa 1.27%
  • Jackson 1.23%
  • Iowa 1.39%

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

Exemptions and deadlines in Iowa

Flood risk in Jackson County

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

Homes in the high-risk zone
2.6%
273
Of those, with NFIP insurance
5.9%
County Iowa U.S.
Homes in the high-risk zone 2.6% 2.2% 3.5%
Of those, with NFIP insurance 5.9% 14% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Maquoketa

Typical rent in Maquoketa is $795 a month: about the same as the county. In Maquoketa, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Jackson 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.

HUD fair market rent for all of Jackson 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 $688 $13.23 $27,520
1 bedroom $709 $13.63 $28,360
2 bedrooms $927 $17.83 $37,080
3 bedrooms $1,214 $23.35 $48,560
4 bedrooms $1,218 $23.42 $48,720

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 Maquoketa

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Maquoketa is in ZIP code 52060.

For 2 bedrooms it is $930: $3 more than the fair market rent for Jackson County ($927).

  • 52060 $930$1,210

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Maquoketa 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?

Low-income apartments

Low-income apartments in Maquoketa

HUD lists 7 buildings with rents for lower incomes in Maquoketa. These are the largest.

  • River Village II 401 N Arcade St, Maquoketa 52060 48 low-income homes · For older adults (563) 652-5898
  • Maquoketa Park Apartments 1002 German St, Maquoketa 52060 36 low-income homes · For families (563) 652-3511
  • River Village I 402 N Arcade St, Maquoketa 52060 30 low-income homes · For older adults (563) 652-5898
  • White Tail Run 801 Myatt Dr, Maquoketa 52060 24 low-income homes · 1 bd: 24 · In service since 2001 · For older adults, people with disabilities
  • Hurst Apts Phase II 227 S Main St, Maquoketa 52060 22 low-income homes · Studio: 9 · 1 bd: 5 · 2 bd: 8 · In service since 2006 · For older adults, people with disabilities

See all 7 buildings in Jackson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Maquoketa

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Maquoketa

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

Which programs do I qualify for? All programs in Iowa

Housing counselors near Maquoketa

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

  • Catholic Charities of the Archdiocese of Dubuque

    1229 Mount Loretta Ave, Dubuque · 29 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 · 30 miles away

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

  • Muscatine Municipal Housing Agency

    215 Sycamore St, Muscatine · 48 miles away

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

All counseling agencies in Iowa

Help in Spanish near Maquoketa

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 Maquoketa

HUD lists no housing authority with an office in Jackson County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Iowa Source: HUD

Cities

Nearby cities

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

Everything about Jackson County Housing in Iowa

Neighboring counties

If Jackson 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 Maquoketa.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Maquoketa

Short answers with the numbers for Maquoketa and all of Jackson 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 Maquoketa?

The typical home value in Maquoketa is $132,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jackson County it is $175,000.

How much does it cost to rent in Maquoketa?

Typical rent in Maquoketa is $795 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jackson County is $927.

What is the FHA loan limit in Maquoketa?

Maquoketa uses the FHA limit for all of Jackson 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 Maquoketa?

The typical homeowner in Maquoketa pays $1,678 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Jackson County, the rate is 1.23%.

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

We found no HUD-approved counseling agencies with an office in Jackson 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).