Back

Cost of Living in
Iowa

Living cost is 5.65% lower than avg
Families spend upto $8,374/mo on avg
Homeowners spend $8,119/mo on avg
Renters spend $4,201/mo on avg

Cost of Living in
Iowa

Enter the city you're moving from

Moving From

Moving To

Your Pre-Tax Income

A Breakdown of the Cost of Living in Iowa

U.S. Avg.

Iowa

Difference Diff

Home Price

$534,127

$471,366.73

12%

Apartment Rent (per month)

$1,354

$908.27

33%

U.S. Avg.

Iowa

Difference Diff

Phone (per month)

$219.9

$190.62

13%

Total Energy (per month)

$194.67

$206.6

U.S. Avg.

Iowa

Difference Diff

Grocery Staples

Corn Flakes (per box)

$5.88

$5.86

Frozen Corn (per bag)

$2.33

$2.38

Frozen Meal (per package)

$4.75

$3.8

20%

Cooking Oil (per bottle)

$6.00

$9.46

58%

Detergent (per bottle)

$18.81

$20.77

10%

Facial Tissues (per box)

$2.54

$2.59

Sweet Peas (per can)

$1.74

$1.64

Sugar (per bag)

$4.46

$4.96

11%

Bread (per loaf)

$3.66

$4.14

13%

Frying Chicken (per lb)

$1.64

$1.68

Meat & Poultry

Chicken (per lb)

$1.67

$1.74

Steak (per lb)

$13.56

$18.26

35%

Sausage (per lb)

$4.89

$5.56

14%

Ground Beef (per lb)

$7.90

$7.17

Snacks & Beverages

Soft Drink (per bottle)

$3.08

$3.32

Potato Chips (per bag)

$5.08

$4.28

16%

Coffee (per lb)

$5.92

$7.07

19%

Fresh Orange Juice (per half gallon)

$4.85

$5.41

12%

Fruits & Vegetables

Peaches (per can)

$4.29

$2.77

35%

Lettuce (per head)

$1.85

$2.28

23%

Bananas (per lb)

$0.62

$0.81

30%

Potatoes (per bag)

$4.61

$5.34

16%

Dairy & Eggs

Parmesan Cheese (per lb)

$4.46

$5.02

13%

Margarine (per lb)

$1.26

$1.55

23%

Eggs (per dozen)

$4.50

$4.04

10%

Whole Milk (per gallon)

$4.02

$4.92

22%

Seafood

Chunk Light Tuna (per can)

$1.06

$1.25

18%

U.S. Avg.

Iowa

Difference Diff

Tire Balance (per tire)

$69.15

$71.08

Gasoline (per gallon)

$2.82

$3.18

13%

U.S. Avg.

Iowa

Difference Diff

Doctor Visit (per visit)

$113.53

$164.48

45%

Dentist Visit (per visit)

$144.14

$129.77

10%

Ibuprofen (per bottle)

$11.48

$12.81

12%

Prescription Drug (per month)

$21.09

$23.11

10%

Optometrist Visit (per visit)

$93.18

$148.84

60%

U.S. Avg.

Iowa

Difference Diff

Women’s Slacks

$34.9

$34.65

Boys’ Jeans

$29.45

$28.23

Men’s Shirt

$39.14

$38.72

Wine (per bottle)

$7.14

$11.94

67%

Beer (per 6-pack)

$10.78

$10.53

Veterinary Services (per visit)

$65.41

$59.55

Tennis Balls (per pack)

$3.49

$4.52

29%

Yoga (per class)

$11.89

$14.53

22%

Movie (per ticket)

$11.41

$10.97

Newspaper (per copy)

$18.96

$14.8

22%

Washer Repair (per service)

$109.38

$101.74

Women Slacks

$34.88

$34.8

Boy Jeans

$29.51

$28

Man Dress Shirt

$39.05

$37.48

Dry Cleaning (per item)

$13.25

$19.61

48%

Shampoo (per bottle)

$1.56

$1.65

Toothpaste (per tube)

$3.59

$3.86

Beauty Salon (per visit)

$46.61

$38.33

18%

Haircut (per cut)

$26.79

$26.82

Fried Chicken (per serving)

$4.36

$5.65

30%

Pizza (per pizza)

$11.88

$13.32

12%

Hamburger (per serving)

$5.25

$5.72

The cost of living in Iowa is 5.65% lower than the national average. Iowa's affordable housing, abundant agriculture, and strong work ethic make it one of America's most budget-friendly states. With major employers like Principal Financial Group and John Deere headquartered here, and Iowa State University anchoring the education sector, demand for housing remains steady while prices stay reasonable across most categories.

Housing is 12% lower than the US median. The median home price in Iowa is $471,366.73, significantly lower than the national median of $428,000. You can buy a house in Iowa with a 15% to 20% down payment, with monthly mortgage payments 25% to 35% lower than the national average.
Renting in Iowa is 32.9% lower than the national average of $908.27. A one-bedroom apartment in Iowa costs around $940 per month, while a two-bedroom averages $1,085. Even at these affordable prices, many Iowa rentals come with amenities like off-street parking and private yards, which command premium prices in coastal states.
Utilities are 5% lower than the national average. Iowa leads the nation in wind energy production, which helps keep electricity costs down. The average electric bill is $206.60 per month, compared to $135 nationally. Monthly utility bills total approximately $423, including electricity, heating, water, and internet services. Winter heating costs can increase bills by $50 to $80 during peak months.
Food prices in Iowa are 3% higher than the US median prices. If you're a family of four, expect to spend $1,100 to $1,300 each month on groceries. Single adults typically budget $320 to $450 monthly, thanks to Iowa's strong agricultural base and lower distribution costs.
Transportation costs are 8.72% higher than the US average. Gas prices average $3.18 per gallon, compared to $3.40 nationwide. Monthly car insurance premiums average $155, which is 15% below the national average of $183. Des Moines Area Regional Transit (DART) offers bus service for $1.75 per ride, while Iowa City provides free bus transportation through June 2026.
Healthcare costs in Iowa are 6.09% higher than the national average. A routine check-up costs $102, compared to $125 nationally. Emergency room visits, without insurance, average $2,200. Iowa's rural hospital network provides quality care. However, specialized treatments may require travel to Des Moines or Iowa City for access to medical centers like UnityPoint Health and University of Iowa Hospitals.
Miscellaneous expenses are 6.04% lower than the national average. This covers everything from Iowa State Cyclones season tickets to visits to the Amana Colonies. Dinner for two at a farm-to-table restaurant in Des Moines ranges from $85 to $120, while a family day at Adventureland costs around $180.

Moving to Iowa? Your cost of living will likely feel much lighter. Affordable housing and everyday essentials make it easier to stretch your paycheck—while the friendly Midwest lifestyle is a nice bonus.

👉 Next Step: Compare single-family homes in Iowa. Cost of living data is sourced in part from the Council for Community and Economic Research (C2ER). Figures are provided for informational purposes only and may not reflect real-time changes.

Find your
dream home in Iowa

Browse Homes For Sale in Iowa

Is Living in Iowa Expensive?

No, Iowa is not expensive to live in. It offers excellent value for most middle-class families on a budget. The overall cost of living in Iowa is 5.65% lower than the national average, with housing costs being the biggest advantage, 12% lower the US median.

With $908.27, you can get a four-bedroom house in Iowa with a large yard and garage. In contrast, that same amount might only buy a small condo in Colorado or a fixer-upper in Minnesota. Lower prices for food, healthcare, transportation, and utilities make living in Iowa even more affordable.

Housing in Iowa

Homeownership in Iowa offers solid value, especially when compared to pricier coastal markets. The average home price sits around $471,366.73, 12% lower than the national average. With mortgage rates between 6.5% and 7.5%, and property taxes averaging 1.4% of a home's value, monthly housing costs tend to stay affordable. Here's a closer look at what you can expect to pay for a home in Iowa:

Buying a House in Iowa

For young adults or single people, one-bedroom homes in Des Moines or Cedar Rapids are popular entry points into homeownership. These cities provide access to employment centers, universities, and urban amenities. Homes here average $180,000 to $280,000. At that price, mortgage payments will range from $1,200 to $1,800 monthly, excluding insurance and taxes. Condos in West Des Moines, Ankeny, and other suburban areas are typically priced between $140,000 and $220,000.
If you're a married couple with young children (under 6), expect to pay between $220,000 and $350,000 for a three-bedroom home in Waukee, Johnston, or Urbandale. These family-friendly communities provide access to top-rated schools such as Waukee Community School District and Johnston Community School District. Families are also drawn to their safe neighborhoods, well-maintained parks, and community centers.
If you're a married couple with older children (ages 6 to 17), you can find multi-family homes or properties with large yards for $250,000 to $450,000. Cities like Clive and Bettendorf are popular choices, offering access to top-performing schools like Valley High School and Pleasant Valley High School, along with community support and a variety of youth programs.

Renting a House in Iowa

Renting in Iowa costs 32.9% lower than the national average. While rent nationwide is typically $1,530 per month, the average Iowa rent is $940. As one of the most affordable housing markets in America, rental prices vary by city size and amenities. Let's break down average rental costs across the state:

If you're a young adult or single person, rent for a one-bedroom apartment in Downtown Des Moines or East Village is $1,100 to $1,400 monthly. Downtown Des Moines attracts residents with its entertainment district and walkable lifestyle, while East Village offers trendy restaurants and quick commutes to major employers. More affordable options exist in neighborhoods like Drake or Highland Park, ranging from $800 to $1,000 monthly. These areas provide easy access to Drake University and Mercy Medical Center.
Married couples with young children (under 6) can find two-bedroom homes in family-oriented cities like Ames and Coralville for $1,200 to $1,600 per month. These areas are known for their walkability and access to early childhood programs. In Ames, families enjoy attractions like Reiman Gardens and educational opportunities tied to Iowa State University, while Coralville features vibrant shopping, dining, and top-rated elementary schools.
For families with older children (ages 6 to 17), renting a three-bedroom home in Ankeny or a four-bedroom home in Cedar Falls costs between $1,700 and $2,200 monthly. Rentals near top schools tend toward the higher end of this range.
If you're downsizing, expect to spend $900 to $1,300 monthly renting one- or two-bedroom condos in West Des Moines, Davenport, or Iowa City. These areas offer low-maintenance living, access to healthcare at Genesis Medical Center and University of Iowa Hospitals, and proximity to cultural amenities.
International students should budget about $1,800 monthly for a three-bedroom apartment in Iowa. Sharing apartments in neighborhoods like Ames, Iowa City, or other university towns can reduce rent costs by 30% to 40%.

Utilities in Iowa

Food and Groceries in Iowa

Iowa’s strong agricultural roots help keep food costs in check. Whether it’s corn-fed beef or locally grown produce, residents enjoy high-quality food at reasonable prices. Grocery expenses here are on par with the national average. Here’s what you can expect to spend on everyday staples in Iowa:

Proteins for Family Dinners: Steak is priced at $18.26 per pound, ground beef averages $7.17 per pound, while pork tenderloin (a popular Iowa favorite) comes in at $6.85. Whole chicken is the most budget-friendly option, typically costing just $1.74 per pound.
Kitchen Essentials: Basic groceries in Iowa generally align with national prices, with dairy items offering particularly good value. A gallon of whole milk costs around $4.92, and a dozen eggs average $4.04, both slightly below the national average. Butter costs $4.15 per 16-ounce package, cheddar cheese sells for $5.02 per 8-ounce block, sugar costs $4.96 per 4-pound bag, and fresh orange juice is $5.41 per 1-liter bottle.
Fruits and Vegetables: Fresh produce prices in Iowa vary by season. Bananas average $0.81 per pound, in line with the national average. Lettuce costs about $2.28 per head, roughly 8% above the US median due to shipping from warmer climates. Apples become about 5% cheaper during the fall harvest, and summer farmers' markets often provide competitive rates on locally grown fruits and vegetables.
Snacks and Frozen Meals: Potato chips cost around $4.28 per bag, based on brand and size. Frozen peas sell for $3.80 per bag, 8% below the national average. Frozen corn costs $2.38 per bag, slightly cheaper than in most states, thanks to Iowa’s high corn output.
Other Grocery Expenses: Cooking oil sells for about $9.46 per bottle, which is 5% less than the national average. Household essentials such as facial tissues cost $2.59, 5% below the national average, while laundry detergent is priced at $20.77, 10% less than the national norm. Paper towels at $3.25 and dish soap at $3.65 both fall slightly under national averages, and trash bags cost $6.45, 6% lower than across the country.

Transportation in Iowa

Healthcare in Iowa

Healthcare costs in Iowa are 6.09% higher than the national average, thanks to the state's focus on preventive care and community health initiatives. Rural hospitals throughout Iowa provide quality basic care, though specialized treatments may require travel to larger medical centers. Here's a breakdown of medical costs in Iowa:

Doctor Visit — $164.48+ per visit: Routine care in Iowa averages $102 per visit, well below the national average of $125. Common reasons for doctor visits (like cold symptoms, blood pressure checks, or prescription refills) typically fall within this range. Specialized visits, such as dermatology or cardiology follow-ups, may cost $150 to $250, depending on the provider.
Dentist Visit — $129.77+ per visit: This covers routine cleanings and exams. A basic dental cleaning costs around $95, while cavity fillings cost $160 to $220. Compared to other Midwest states like Minnesota ($115 for cleaning) or Missouri ($105 for cleaning), Iowa remains more affordable. Even minor procedures like X-rays or fluoride treatments tend to be 15% to 20% below regional averages.
Optometrist Visit — $148.84+ per visit: Routine eye exams in Iowa cost less than the national average of $130. This includes vision checks and prescription updates. Specialized services (like contact lens fittings or glaucoma treatment) can add $60 to $150 more to your bill.
Prescription Drugs — $23.11+ per package: For chronic conditions like high blood pressure, a month's supply of Lisinopril costs $12 to $22 without insurance. Treatment for type 2 diabetes with Metformin costs $15 to $35 monthly. For short-term needs, common antibiotics like Amoxicillin are anywhere between $18 and $30.
Over-the-Counter Meds — $10+ per package: Everyday essentials like ibuprofen, allergy relief, and cold medications like DayQuil average $10 to $14 per package. Whether you're fighting off a viral fever or recovering from a weekend overindulgence, having the right medicines on hand can make all the difference.

Healthcare costs in Iowa are lower than in many states, but residents still have access to top institutions, like UnityPoint Health, University of Iowa Hospitals and Clinics, and Genesis Medical Center. While harsh winters can lead to higher seasonal illness expenses, the state’s focus on preventive care helps keep long-term healthcare costs low.

It's a good idea to get health insurance, as the average cost of a doctor's visit in Iowa is around $102*. The monthly premium of a health insurance plan in the state typically ranges between $385* and $685*.

*Disclaimer:These figures are averages and can vary based on individual circumstances and specific insurance providers. It's recommended to compare plans and consult with insurance professionals to find the best coverage for your needs.

Miscellaneous Costs in Iowa

What Salary Do You Need to Live in Iowa?

The average salary in Iowa is 5.65% lower. The salary to live comfortably in Iowa ranges from $45,000 to $65,000 per year, depending on your lifestyle, household size, and spending habits.

Homeowners spend $97,426.00 per year: Mortgage payments, property taxes, and utilities remain affordable across much of the state, especially outside of Des Moines or Iowa City.

Renters spend $50,415.00 per year: Most renters can cover housing, groceries, and transportation without stretching their paycheck, particularly in smaller towns or college cities.

Families with kids spend $100,490.00 per year: With expenses like childcare, healthcare, school activities, and a larger home, family life in Iowa is manageable but requires careful budgeting, especially in urban areas.

Is Iowa Too Expensive? Find Homes in Iowa as Per Your Budget

Iowa Homes Under

$100,000

Iowa Homes Under

$200,000

Iowa Homes Under

$300,000

Iowa Homes Under

$400,000

Iowa Homes Under

$500,000

Iowa Homes Under

$600,000

Iowa Homes Under

$700,000

Iowa Homes Under

$800,000

Iowa Homes Under

$900,000

Iowa Homes Under

$1M

Discover your place in Iowa

View neighborhood insights, browse popular homes, and shortlist the ones you like on any device.

Download the Houzeo Mobile App Now!

What is a Cost of Living Calculator?

A cost of living calculator helps you compare the expenses required to live in a different location. The calculator factors in various living expenses like housing, food, utilities, transportation, fitness, and entertainment, etc., and helps you estimate how much salary you need to live in that city. Since the cost of goods and services varies in different cities, an Iowa cost of living calculator can help you make the decision to move to this city or not.

About Cost of Living Data

The data used to determine Iowa's cost of living is sourced from the Council for Community and Economic Research (C2ER). Published since 1968, COLI data is recognized by the U.S. Census Bureau and the Bureau of Labor Statistics. This organization regularly updates its data to offer a detailed and well-researched view of living expenses in cities across the country. An independent Advisory Board reviews C2ER’s data collection methodologies and quarterly publications to ensure consistency and quality. For more information, visit www.coli.org. Data published as of Oct 2025.

Frequently Asked Questions

How much is gas in Iowa?

The cost of gas in Iowa averages $3.18 per gallon. Prices may fluctuate during winter months due to refinery maintenance, or around high-traffic periods like RAGBRAI or Iowa State Fair. Additionally, longer distances between cities can lead to more frequent fill-ups.

Is Iowa a good place to live?

Yes, Iowa is a great place to live if you’re looking for affordable housing, good schools, and reliable healthcare. The state is home to respected institutions like University of Iowa Hospitals, and major employers such as Principal Financial Group. Neighborhoods like West Des Moines and Waukee have nationally-recognized school districts.

What is the average cost of living in Iowa?

The average cost of living in Iowa is 5.65% lower than the national average. Des Moines and Iowa City are on the higher end, while Waterloo, Cedar Rapids, and Davenport are among the most affordable places to live in Iowa.

What is the average rent in Iowa?

A one-bedroom apartment in Iowa typically rents for $908.27 to $1,200 per month. Premium areas like West Des Moines and Coralville charge higher rents for their amenities, like gyms, community pools, and proximity to employment centers.

How much is a 2-bedroom apartment in Iowa?

A two-bedroom apartment in Iowa rents between $1,100 and $1,500 per month. Expect higher costs for upscale homes in Des Moines, Ames, and other metro areas with university access.

What is the average price of utilities in Iowa?

Utilities in Iowa range from $300 to over $500 per month. This includes electricity, natural gas, water, sewer, and trash. Heating costs during Iowa’s cold winters can raise your utility bills, especially in older or less insulated homes.

How much is childcare in Iowa?

If you're moving to Iowa, expect childcare costs to range between $800 to $1,200 per month for toddlers. Daycare centers in West Des Moines and Ankeny cost more than in-home care setups in smaller cities like Marshalltown and Mason City.