In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
A general overview of the cost of living index for Dubuque, IA is displayed above. In Dubuque, IA, the overall cost of living index is 90, which is 1% higher than the Iowa average and 10% lower than the U.S. average. The following categories are used to calculate the overall cost of living index: goods/services (33%), housing (30%), groceries (13%), utilities (10%), transportation (9%) and health care (5%). From the list, it is clear that the categories of goods/services and housing are responsible for the largest portions of the overall cost of living index. As a general rule, everyday goods and services provide an accurate measure of the general cost of goods in any given city. In the case of Dubuque, IA, the city's goods and services are 4% higher than the Iowa average and 1% lower than the U.S. average.
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The cost of living in Dubuque is 1% higher than the Iowa average.
The cost of living in Dubuque is 10% lower than the national average.
The cost of housing in Dubuque is 26% lower than the national average.
Iowa general sales tax is 18% higher than the national average.
Iowa state income tax is 84% lower than the national average.
Compare Dubuque, IA Cost of living To Other Cities
This is how much you would need to earn in Price difference in compared to
Cost of living index
Goods & Services index
Health care index
Use the salary calculator to compare your current salary in Dubuque, IA to any other city. The salary calculator will tell you how much you would need to earn in any given city to maintain the same standard of living based on the cost of living in each city. For example, if the cost of living in the city you are looking to relocate to is higher than the cost of living in Dubuque, IA, then you would need to earn more income in order to maintain the same standard of living. To use the Dubuque, IA salary calculator, simply enter in the name of the new city, then adjust the slider to your current income. The salary calculator will do the rest and let you know if you need to earn more or less in the new city. You will also see a complete breakdown of the cost of living.
Median Income & Debt-To-Income Ratio
Max Budget (28% DTI)
Max Budget (36% DTI)
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in Dubuque, IA, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. Dubuque, IA has a median income of about $59,819 for people who own homes. Based on that number, a person should spend a maximum of $1,396 on expenses related to housing. Renters have a slightly different median income, which is $27,379. Based on this average, renters should spend no more than $639 on all of their rental costs if they want to maintain a non-impoverished standard of living.
Iowa Sales Tax
General Sales Tax
With Max Surtax
Iowa Income Tax
Income Tax (Low)
Income Tax (High)
When considering the overall cost of living expenses in Dubuque, IA, it's important to take into account the sales tax for Iowa, as well as the rate for income tax in Iowa. Goods and services sold to consumers in any state have some form of sales tax. Each state has its own tax code, which means that sales tax rates vary from state to state, ranging from over 7% in some states to as low as 0% in others. The maximum surtax for Iowa is 7%, and the sales tax in the state of Iowa is 6%. Alternatively, the tax imposed on your income by the state government is known as income tax. The rate for this tax also varies from state to state, and your rate is affected by your tax bracket, which is determined by your level of income. Income tax rates might be as high as 9%, down to as low as 0%. The range for income tax rates in Iowa starts from 0.36% and goes up to 8.98%.
Goods & Services
Avg. Mortgage Payment
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.