Cost of Living in Iowa [2025]
If you're dreaming about a peaceful, laid-back lifestyle with rural charm and vibrant city life, consider moving to Iowa. Residents enjoy stunning rolling hills, rich agricultural land, and friendly communities that make you feel at home.
The cost of living in Iowa is also reasonable and your dollar stretches farther across most categories. We put together everything you need to know to live your best life in the Heartland. Let’s dive in!
Cost of Living in Iowa
What Is the Cost of Living in Iowa?
When you want to make an affordable move, Iowa is a picture-perfect destination. The cost of living in Iowa is 19.9% less than the U.S. national average. We took a look at the data from Sperling's Best Places to look over the cost of multiple categories, from housing to groceries and transportation. Here's how everything breaks down:
| Cost of Living | Iowa | U.S. |
|---|---|---|
| Overall | 80.1 | 100 |
| Grocery | 94.4 | 100 |
| Health | 108.2 | 100 |
| Housing | 55.4 | 100 |
| Median Home Cost | $194,900 | $338,100 |
| Utilities | 98.5 | 100 |
| Transportation | 71.4 | 100 |
| Miscellaneous | 96.3 | 100 |
Where is the Cost of Living Highest in Iowa?
If you're looking for urban living, the biggest city in Iowa with the highest cost of living is Des Moines. Despite the higher price tag, Spencer is still 13.4% lower than the U.S. national average. As of April 2025, our latest rent report shows that the median price of a one-bedroom apartment in Des Moines is $851 a month.
We also looked over the cost of living data in Des Moines, FL to give a breakdown of different costs.
| Cost of Living | Des Moines | IA | U.S. |
|---|---|---|---|
| Overall | 86.6 | 80.1 | 100 |
| Grocery | 96.0 | 94.4 | 100 |
| Health | 102.4 | 108.2 | 100 |
| Housing | 57.8 | 55.4 | 100 |
| Median Home Cost | $194,900 | $362,400 | $338,100 |
| Utilities | 89.6 | 98.5 | 100 |
| Transportation | 74.7 | 71.4 | 100 |
| Miscellaneous | 112.2 | 96.3 | 100 |
Waukee, Iowa also comes with a high cost of living. It's currently 4.5% less expensive than the U.S. average and 19.2% higher than the state average. Here's a look at that data:
| Cost of Living | Waukee | IA | U.S. |
|---|---|---|---|
| Overall | 95.5 | 80.1 | 100 |
| Grocery | 100.5 | 94.4 | 100 |
| Health | 104.4 | 108.2 | 100 |
| Housing | 97.2 | 55.4 | 100 |
| Median Home Cost | $334,900 | $362,400 | $338,100 |
| Utilities | 90.2 | 98.5 | 100 |
| Transportation | 77.1 | 71.4 | 100 |
| Miscellaneous | 129.3 | 96.3 | 100 |
Where is the Cost of Living Lowest in Iowa?
If you want to save as much money as possible, you can look to major areas like Keokuk, with among the lowest cost of living in Iowa. Current data shows it's 27.9% less expensive than U.S. average. You'll save a bundle across multiple cost of living categories, including
| Cost of Living | Keokuk | IA | U.S. |
|---|---|---|---|
| Overall | 72.1 | 80.1 | 100 |
| Grocery | 91.7 | 94.4 | 100 |
| Health | 116.3 | 108.2 | 100 |
| Housing | 24.9 | 55.4 | 100 |
| Median Home Cost | $194,900 | $362,400 | $338,100 |
| Utilities | 102.9 | 98.5 | 100 |
| Transportation | 59.2 | 71.4 | 100 |
| Miscellaneous | 59.3 | 96.3 | 100 |
How Much Is Rent in Iowa?
As of April 2025, the overall average price of rent in Iowa is $992. Our data shows that for a one bedroom apartment, you'll pay an average of $779 and a two-bedroom averages $1,018. These rental prices and averages give us an idea of some of the rental market, but the prices will depend on where you sign a lease. We put together a breakdown of the current rental trends and prices for both one- and two-bedroom apartment units in Iowa's major metropolitan areas.
| City | Median 1-Bedroom Rent | Median 2-Bedroom Rent |
|---|---|---|
| Overall | $992 | $779 |
| Des Moines, IA | $851 | $1,063 |
| Waukee, IA | $1,600 | $2,119 |
| West Des Moines, IA | $1,054 | $1,163 |
How Much Does It Cost to Rent a 1-Bedroom in Iowa?
If you're looking for a 1-bedroom apartment in Iowa, you'll pay an average price of $779 per month. That figure breaks down accordingly:
| City | Median 1-Bedroom Rent |
|---|---|
| Overall | $779 |
| Des Moines, IA | $851 |
| Waukee, IA | $1,600 |
| West Des Moines, IA | $1,054 |
How Much Does It Cost to Rent a 2-Bedroom in Iowa?
If you need more space with a roommate or significant other, renting a two-bedroom apartment in Iowa currently runs around $1,108 on average. We broke down the data of two-bedroom prices in some of Iowa's biggest areas:
| City | Median 2-Bedroom Rent |
|---|---|
| Overall | $1,108 |
| Des Moines, IA | $1,063 |
| Waukee, IA | $2,119 |
| West Des Moines, IA | $1,163 |
How Much Does a House Cost in Iowa?
If you're looking to make an investment in your own home in Iowa, you'll find that the median home prices are still reasonable. Here's a look at what to expect:
| City | Median Home Price |
|---|---|
| Overall | $280,200 |
| Des Moines, IA | $175,700 |
| Waukee, IA | $334,900 |
| Keokuk, IA | $81,800 |
Depending on your goals and whether or not you have career flexibility, you can make the most of your money in areas like Keokuk for incredibly affordable housing prices.
What Salary Do You Need to Live in Iowa?
Now that you have an idea of what to expect from cost categories in Iowa, you can figure out how to budget. We recommend using the 30% rule, which stipulates spending no more than 30% of your income to cover the basic expenses while tucking away some savings. Using our rent calculator you would make around $31,160 a year or $2,596.67 a month to afford the 1-bedroom average apartment in Iowa that rents for $779.
Let's also look at the median rent for a one-bedroom apartment in Des Moines of $851 per month. You would need to earn at least $34,040 a year, $2,836.67 a month, or $16.37 an hour.
It's a good idea to look to MIT's a more complex living wage calculation. It estimates that you need to earn $20.89 an hour or $43,264 a year before taxes to live in Iowa and cover the bare essentials. That figure would cover housing, food and transportation and doesn't take into account extras like student debt repayment, travel, or savings.
If you're interested in what the U.S. Census Bureau has to say, you'll find the median household income is $73,147 per year, $6,095.59 a month, or $35.17 per hour. That's well above the living wage, affording you an affordable cost of living in Iowa.
How Much Does Transportation Cost in Iowa?
According to MIT's living wage calculator, if you're a single adult in Iowa, you'll spend around $10,760 in transportation costs every year. A family of four made up of with two adults and two children will spend around $18,049 in transportation costs annually.
Unfortunately, Iowa is lacking in public transportation options. you'll find some options in major cities like Des Moines. For example, Des Moines' public transportation starts at $1.75 with weekly passes running $7 and monthly passes an affordable $24. If you lived in an area where you could walk from you apartment to work, your favorite bars, and public transportation or open to ride shares, you could get away with relying on public transportation in Iowa.
How Much Do Groceries Cost in Iowa?
Iowa may be best known for its expansive farmland and charming small towns, but it's also home to a thriving food scene that reflects the state's agricultural roots. Locals dig into hearty comfort food to innovative farm-to-table restaurants. Despite its affordability, dining out in Iowa can still add up, especially if you're frequenting the more upscale spots. On average, a single adult in Iowa will spend around $3,200 a year on food. For a family of four with two working adults and two children, that figure climbs to about $9,600 annually.
Iowa is known for its iconic dishes like loose meat sandwiches, sweet corn, and pork tenderloin sandwiches. The state’s dining options range from cozy local diners to refined restaurants offering fresh, locally sourced dishes. To give you an idea of what dining out might cost, we pulled data from Numbeo to show you the average price of a three-course meal for two (without alcohol) in various Iowa cities:
- Des Moines: $85.99
- Cedar Rapids: $70
- Iowa City: $50
- Ames: $45
How Much Is Child Care in Iowa?
Childcare is among the largest line item in a family's budget, sometimes even more expensive than rent and mortgage. The cost will depend on where you live, but we took a look at MIT's living wage data. The cost of daycare for one child in Iowa is $8,170 a year. For two children, the cost raises to $16,340.
If you're worried about childcare costs in Iowa, you can get creative with your options. Look to less trendy neighborhoods with cheaper rents to find less expensive daycares. You can also team up with another family for a nanny share or work out a flexible work schedule with your significant other.
How Much Does Healthcare Cost in Iowa?
No matter where you live, it's vital to stay as healthy as possible and not skimp on medical and healthcare costs in Iowa. You can use MIT's data to make more room in your data. We took a look at the average healthcare costs with a single individual and a household. A single adult in Iowa will spend $3,653 on healthcare a year, and a family of two-working adults and two children will spend $9,739.
You can also look into affordable health insurance through Iowa Total Care or Iowa Medicaid to make the most of your budget and still protect your health.
How Much Are Utilities in Iowa?
One of the fluctuating costs that renters often don't account for are your utility bills. Fortunately, the average utility bill for renters in Iowa is relatively affordable, especially when compared to the national average of $253.14. We looked at some of the cities in Iowa to get an idea of what you'll spend on utilities in Iowa:
- Des Moines: $144.82 (+ $104.11 for phone and Internet)
- Cedar Rapids: $168.93 (+ $119.45 for phone and Internet)
- Iowa City: $168.93 (+ $119.45 for phone and Internet)
- Ames: $190 (+ $126.86 for phone and Internet)
These rates reflect the average cost for basic utilities. To get the most accurate data possible, you’ll need to refer to your local municipality regulations and pricing for trash collection, the final public utility.
Fitness and Entertainment
When it comes to having fun and indulging in fitness and entertainment, you can quickly rack up your entertainment expenses if you're not mindful. Fortunately, Iowa offers plenty of free and paid entertainment options. Let's take a closer look at some of the fitness and entertainment opportunities available throughout the state.
Cinema Tickets in Iowa
If you're looking for some fun, here's what to expect from movie tickets in Iowa:
- Des Moines: $15
- Cedar Rapids: $12.75
- Iowa City: $13.50
- Ames: $14.50
Keep an eye out for free events in public parks, museums, and public squares to make the most of your entertainment budget in Iowa.
Gym Memberships
Let's take a look at fitness membership costs per month in the following cities:
- Des Moines: $66.67
- Cedar Rapids: $66.67
- Iowa City: $49.33
- Ames: $68.33
If you want an alternative to the gym, you can always grab your running shoes and go out for a run or bike ride in one of Iowa's many public parks and green spaces for an affordable (and free) way to break a sweat.
State Parks in Iowa
Iowa is home to a range of stunning state parks, each offering its own unique blend of outdoor activities and natural beauty, often for a very affordable parking fee (usually around $5-8 per vehicle). Here are some of the top state parks in Iowa you won’t want to miss:
Ledges State Park is a short drive from Des Moines, offering picturesque views of the Des Moines River Valley. With opportunities for hiking, picnicking, fishing, and even camping, it’s a fantastic spot for a weekend getaway. The park is known for its dramatic sandstone cliffs and serene surroundings.
Yellow River State Forest is perfect for those looking to immerse themselves in nature. Located in the northeastern part of the state, this park offers hiking, horseback riding, and excellent wildlife watching opportunities. You can also explore the park's many trails that weave through dense forests and past the scenic Yellow River.
Pikes Peak State Park, located in McGregor, is known for its breathtaking views of the Mississippi River. Ideal for hiking, picnicking, and taking in spectacular vistas, the park is especially popular in the fall, when the leaves change colors, creating a beautiful, vibrant landscape.
Visit a Famed Attraction
Iowa isn't exactly known for the same number of world-famous attractions as some other states, but it holds its own when it comes to unique experiences and memorable destinations. While its attractions are often more budget-friendly than those in larger tourist hotspots, there’s still plenty to see and do.
The Iowa State Fair is one of the largest and most popular fairs in the country. If you’re a fan of history and culture, explore the National Czech & Slovak Museum & Library or take a stroll through the Iowa Capitol in Des Moines. Nature lovers can enjoy the scenic beauty of the Loess Hills, or check out the Field of Dreams Movie Site for a taste of Hollywood history. Whether it’s a day trip or a weekend getaway, Iowa offers plenty of options for a relaxing and affordable escape.
How Much Are Taxes in Iowa?
Iowa has a state income tax, which is structured progressively. What does that mean? The more you earn, the higher your income tax rate. The rates range from 0.33% to 8.53%, with the highest rate applying to incomes over a certain threshold. While Iowa’s state income tax may seem high compared to some other states, it’s important to note that the state also offers various tax credits that could help reduce your overall tax burden.
The sales tax rate in Iowa is 6%, which is fairly average in comparison to other states. Keep in mind that some local counties and municipalities may impose an additional local sales tax, so it’s worth checking with your specific location to find out if there are any additional taxes to consider.
Ready to Find a New Apartment in Iowa?
If you're ready to make a move and enjoy the low cost of living in Iowa, we can help! We make it easy to find your next place to live, whether it's the bright lights of Des Moines or laid-back lifestyle in more rural and suburban areas. Ready to get started? take our easy quiz to get started on your apartment search today!
FAQs: Cost of Living in Iowa
How expensive is an apartment in Iowa?
Your monthly rent in Iowa will vary depending on where you live. The overall rent for a one-bedroom apartment is $779 a month. However, the average rent for a one-bedroom apartment in Des Moines is $856 month.
What is the cheapest rent in Iowa?
A one-bedroom apartment is the cheapest rent in Iowa. The overall rent for a one-bedroom apartment is $779 a month. However, the average rent for a one-bedroom apartment in Des Moines is $856 month.
Is it expensive to live in Iowa?
A two-bedroom apartment is the most expensive rent in Iowa. You'll spend an average of $1,018 a month across the state. A single adult in Iowa will spend an average of $4,228 on groceries, $10,760 on transportation, and $3,653 on healthcare every year.
What is the population of Iowa?
According to the U.S. Census Bureau, the population of Iowa as of 2024 was 3,241,488.
What is a good salary in Iowa?
According to the U.S. Census Bureau, the median household income is $73,147. However, you should spend no more than 30% on rent. If the overall average for a one-bedroom apartment in Iowa is $779 a month, you need to earn at least $31,160 per year, $2,596.67 a month, or $14.98 per hour.
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