The typical owner-occupied home in Guttenberg is worth about $193,900, 7% below the Iowa median of $208,000 and 42% below the national median of $332,700. Owners pay a median $2,879 a year in property taxes, about 1.48% of their home's value, higher than the Iowa rate of 1.39%. The median household earns $57,599 a year, so the median home costs 3.4 times the median income (2.8 times for Iowa). 71% of occupied homes here are lived in by their owners, and 40% of those owners still have a mortgage.
Guttenberg at a glance
| Guttenberg | Iowa | U.S. | |
|---|---|---|---|
| Median home value | $193,900 | $208,000 | $332,700 |
| Median property tax paid per year | $2,879 | $2,897 | $3,119 |
| Property tax as a share of value | 1.48% | 1.39% | 0.94% |
| Median household income | $57,599 | $75,059 | $80,734 |
| Homes lived in by their owners | 71% | 72% | 65% |
| Owner homes with a mortgage | 40% | 59% | 61% |
| Median monthly costs, owners with a mortgage | $1,401 | $1,533 | $1,963 |
| Those costs as a share of the owners' income | 17.9% | 18.7% | 21.0% |
| Median rent | $870 | $972 | $1,413 |
| Rent as a share of renters' income | 35.0% | 27.4% | 30.6% |
| Median year homes were built | 1961 | 1972 | 1980 |
| Vacant homes | 6.9% | 8.5% | 10.1% |
| Population | 1,782 | 3,210,507 | 334,922,499 |
What a typical home costs per month in Guttenberg
At this week's average 30-year rate of 7.11%, buying the median Guttenberg home of $193,900 with 20% down costs about $1,363 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,686, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $58,433 for the 20%-down payment. That payment is 28% of the median Guttenberg household income of $57,599; at that income and 20% down, the 28% guideline points to a home of about $191,000.
The median rent here is $870 a month, so owning the median home costs about $493 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $38,780 |
|---|---|
| Loan amount | $155,120 |
| Principal and interest | $1,044 |
| Property taxes (1.48% a year) | $239 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| PMI | $0 |
| Total per month | $1,363 |
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| Down payment | $6,786 |
|---|---|
| Loan amount | $190,388 |
| Principal and interest | $1,281 |
| Property taxes (1.48% a year) | $239 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| FHA mortgage insurance | $86 |
| Total per month | $1,686 |
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Questions about home buying in Guttenberg
What is the median home value in Guttenberg?
About $193,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Guttenberg?
Homeowners pay a median $2,879 a year, which is about 1.48% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Guttenberg?
For the median home with 20% down at 7.11%, the payment is about $1,363 a month. Keeping that under 28% of gross income takes about $58,433 a year.
More about Guttenberg
- Mortgage Refinance in Guttenberg
- Debt Relief in Guttenberg
- Home Equity Loans in Guttenberg
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data