Iowa · Census, HUD and BEA figures · Updated

Cost of Living in O'Brien County, IA

Prices around O'Brien County, IA run 12.2% below the U.S. average (BEA, Iowa). The typical household there earns $68,356 a year, and HUD puts a two-bedroom at $919 a month. Keeping that rent under 30% of income takes about $36,760 a year.

O'Brien County, IA at a glance

Median household income

$68,356$5,696 per month · U.S. Census Bureau ACS 5-Year
2-bedroom rent$919HUD FY2026 Fair Market Rent
Price level (U.S. = 100)87.8-12.2% · BEA, Iowa
Electricity15.9¢per kWh · EIA Residential IA
Population14,126Census ACS 5-year estimate

How much rent can you afford in O'Brien County, IA?

HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.

Affordable (< 30% of income)
HUD Fair Market Rent$919Monthly market rent
Share of gross income16.1%Recommended max: 30%
Annual income needed$36,760To meet the 30% standard
Max affordable rent$1,709At 30% of $68,356
0%30% (Affordability standard)100%
Compare against:

How much is rent in O'Brien County, IA? By bedroom, 2026

HUD's fiscal 2026 Fair Market Rents for O'Brien County, IA, with the income each one takes if rent stays under 30% of it.

HUD Fair Market Rent in O'Brien County, IA, fiscal 2026
Unit SizeMonthly RentAnnual Rent30% Rule Min. Income% of Median Income
Studio / Efficiency$682$8,184$27,28012%
1-Bedroom Apartment$700$8,400$28,00012.3%
2-Bedroom ApartmentBenchmark$919$11,028$36,76016.1%
3-Bedroom Home$1,111$13,332$44,44019.5%
4-Bedroom Home$1,217$14,604$48,68021.4%

Rent in O'Brien County, IA, with the wage each unit needs →

What a typical income covers in O'Brien County, IA

The 50/30/20 rule applied to the local median of $68,356 a year ($5,696 a month before tax).

Needs (50%)$2,848/moRent ($919 2-BR), utilities (~$143/mo), groceries, transit
Wants (30%)$1,709/moEating out, travel, subscriptions and the rest
Savings and debt (20%)$1,139/moEmergency fund, retirement, paying down loans

What $68,356 leaves after Iowa taxes

Federal income tax, Social Security, Medicare and Iowa tax on the local median income. Change the salary to see yours.

$68,356
$25,000$140,000
Filing status:
Gross salary breakdown$68,356
Net 80%
Fed 9%
IA 3%
FICA 8%
Annual take-home$54,973After all taxes
Monthly deposit$4,581Estimated per month
Biweekly paycheck$2,114Every 2 weeks (26/yr)
Effective tax rate19.6%Total tax burden
Federal income tax$6,208 / yr
Iowa state income tax$1,946 / yr
FICA (Social Security & Medicare)$5,229 / yr

Living in O'Brien County, IA: common questions

What is the median household income in O'Brien County, IA?

According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in O'Brien County, IA is $68,356 per year (approximately $5,696 per month).

What is the average rent in O'Brien 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, $1,111 for three and $1,217 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 O'Brien 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 O'Brien 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 54% of what the typical household in O'Brien County, IA earns.

How much do you need to live comfortably in O'Brien County, IA?

On the local median income of $68,356 ($5,696 a month before tax), the 50/30/20 rule leaves $2,848 a month for needs like rent, utilities and groceries, $1,709 for everything else and $1,139 for savings or debt. A two-bedroom at $919 takes 32% of the needs share.

How much is the electric bill in O'Brien 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.