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Iowa City, IA

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US location · verified

Neighborhood intelligence

Your Iowa City relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Iowa City.

Median rent

$1,094/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,180/mo

Median household income

$58,546

ACS 2024 5-year

Median home value

$285,900

ACS 2024 5-year

Safety score

63/100

FBI CDE

Weather

58°F (H 66° / L 50°)

Open-Meteo

Buying in Iowa City? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

63/100

FBI CDE

Typical urban safety profile — 9% below average FBI data, 2023–2024

Good

Noise Level

41 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 58°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 69 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Iowa City IA

Iowa City is one of the more affordable options in its region at $1,094/month typical rent. Safety scores 63/100.

Iowa City has about 75,752 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Iowa City IA Safe?

Iowa City IA scores 63/100 on safety (below average). Crime is about 9% below the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 91 (100 = avg); violent crime index 90; property crime index 92. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Iowa City IA

School quality varies by neighborhood in Iowa City. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Iowa City IA

Typical rent in Iowa City is about $1,094/month (affordable). At $1,094/month for a typical unit, you need about $39,384+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $285,900.

Median household income is $58,546, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($58,546) clears the $39,384 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Iowa City IA

Average temperature is about 58°F (highs near 66°F, lows near 50°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Iowa City IA?

Who tends to thrive in Iowa City: (1) Renters who want $1,094/month housing without coastal prices (comfort income is about $39,384) (2) Households earning $39,384+ who can clear the 3× rent rule at $1,094/month (3) Movers with a locked job offer in Iowa City who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 63/100) (2) Households expecting top marks on rent and safety at once (Iowa City does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $39,384 household income for $1,094/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Iowa City holds up well on the core metrics we publish. Safety at 63/100 makes it a reasonable choice for households who can manage $1,094/month rent. Verify school ratings for your target ZIP separately.

Next steps

Tools for your move

Quotes and listings for Iowa City when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Iowa City.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,988

Mortgage + tax + insurance + HOA

Annual property tax

$4,146

Annual est. $5,580

Est. monthly utilities

$488

Climate-adjusted electric, gas & water

Median home price

$285,900

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$257k
2022
$264k
2023
$271k
2024
$278k
2025
$286k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$894/mo vs buying
$1,094ACS 2024 5-year
Rent
$1,988
Buy

Mortgage

$1,446

Property tax

$345

Insurance

$102

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,794/yr

2024

1.37%

$3,908/yr

2025

1.41%

$4,025/yr

2026

1.45%

$4,146/yr

Buying in Iowa City? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

37 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,225/yr

moderate exposure
Wind hazard index69 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 58°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,225.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Iowa City to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo