Cost of Living in Black Hawk County, Iowa
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Black Hawk County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Black Hawk County, Iowa
Black Hawk renters feel the squeeze
Black Hawk County renters spend 17.9% of income on housing, substantially above Iowa's 14.1% average and creeping toward concern levels. With median income at $64,581—below the national average of $74,755—renters face measurable affordability strain.
Iowa's more expensive rental market
Black Hawk County's 17.9% rent-to-income ratio ranks among Iowa's less affordable counties. The $962 median rent is the highest in this eight-county cluster, reflecting the county's urban character and competitive housing market.
Black Hawk's urban premium visible
Black Hawk County's $962 rent significantly exceeds all rural peers—$232 above Adair's $730 and even $53 above Adams's $909. The county's median home value of $182,400 suggests stronger property demand, but rents spike accordingly for tenants.
Urban costs meet modest incomes
Black Hawk renters earning $64,581 spend $962 monthly on housing (17.9% of income) while homeowners commit $1,043. Both figures consume substantial income shares, leaving less for savings or unexpected expenses.
Black Hawk: quality of life, not deals
Black Hawk County (home to Waterloo and Cedar Falls) offers urban amenities and job diversity that justify higher rents—but affordability-conscious renters should compare rural alternatives. If you value walkability and services over savings, Black Hawk's competitive market may be worth it.
Affordability Calculator
See how your income compares to housing costs in Black Hawk County
Rent Burden
17.9%
of gross income
Max Housing (28% Rule)
$1,507
per month
Owner Cost Burden
19.4%
of gross income
You can likely afford the median home in Black Hawk County
Median home value is $182,400. Estimated monthly cost: $1,456 vs. your max of $1,507.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.