Clayton County, IA at a glance
Median household income
$67,242$5,604 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Clayton County, IA?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Clayton County, IA? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Clayton County, IA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $682 | $8,184 | $27,280 | 12.2% |
| 1-Bedroom Apartment | $700 | $8,400 | $28,000 | 12.5% |
| 2-Bedroom ApartmentBenchmark | $919 | $11,028 | $36,760 | 16.4% |
| 3-Bedroom Home | $1,127 | $13,524 | $45,080 | 20.1% |
| 4-Bedroom Home | $1,304 | $15,648 | $52,160 | 23.3% |
What a typical income covers in Clayton County, IA
The 50/30/20 rule applied to the local median of $67,242 a year ($5,604 a month before tax).
What $67,242 leaves after Iowa taxes
Federal income tax, Social Security, Medicare and Iowa tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Iowa
Living in Clayton County, IA: common questions
What is the median household income in Clayton County, IA?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Clayton County, IA is $67,242 per year (approximately $5,604 per month).
What is the average rent in Clayton County, IA?
The closest official figure is HUD's Fair Market Rent for 2026: $682 for a studio, $700 for one bedroom, $919 for two, $1,127 for three and $1,304 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Clayton County, IA expensive to live in?
Prices there run 12.2% below the U.S. average. BEA's regional price parity for Iowa is 87.8, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Clayton County, IA?
To keep a $919 two-bedroom under 30% of gross income, a household needs about $36,760 a year, or $3,063 a month. That is 55% of what the typical household in Clayton County, IA earns.
How much do you need to live comfortably in Clayton County, IA?
On the local median income of $67,242 ($5,604 a month before tax), the 50/30/20 rule leaves $2,802 a month for needs like rent, utilities and groceries, $1,681 for everything else and $1,121 for savings or debt. A two-bedroom at $919 takes 33% of the needs share.
How much is the electric bill in Clayton County, IA?
Homes in Iowa paid 15.9¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $143. Your bill depends mostly on heating and cooling.