Dubuque County/La Motte/52054

52054

ZIPSAFMR

Dubuque County, IA

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ZIP Investment Score

54Below average

095130300

BR	FMR	Eff. Rent	3Y CAGR
0 BR	$700	$700	5.3%
1 BR	$760	$760	4.8%
2 BR	$970	$970	4.1%
3 BR	$1,310	$1,310	4.1%
4 BR	$1,630	$1,630	3.7%
5 BR	$1,874	Not available	3.7%
6 BR	$2,156	Not available	3.7%
7 BR	$2,479	Not available	3.7%
8 BR	$2,851	Not available	3.7%

Purchase Price Calculator

Maximum purchase price

$82,225

Cost breakdown

+Likely effective rent$970

HUD FMRUsed$970

Market rentN/A

Est. payment standardN/A

-Principal and interest-$416

Loan amount$65,780

Down payment$16,445

Rate6.50%

Term30 years

-Operating costs-$354

Property taxes-$82

Insurance-$175

Utilities$0

HOA$0

Management-$97

=Target cash flow+$200

Calculation mode

BedroomsCash-flow target

Down payment methodDown payment %

HOA / mo

Utilities methodUtilities amount

Management methodManagement % of rent

Hold period projections

Annual appreciation rate

3-year hold

+$15,879(96.6% ROI)

Projected value

$88,547

Return breakdown

Property appreciation+$6,322

Loan principal paid down+$2,357

Rental cash flow+$7,200

5-year hold

+$27,008(164.2% ROI)

Projected value

$93,030

Return breakdown

Property appreciation+$10,805

Loan principal paid down+$4,203

Rental cash flow+$12,000

10-year hold

+$57,044(346.9% ROI)

Projected value

$105,255

Return breakdown

Property appreciation+$23,030

Loan principal paid down+$10,014

Rental cash flow+$24,000

Public Housing Authority

Rolodex

Market Alignment

Not enough rental comps in this area to determine how FMR aligns with current market rates.

Historical

FY 2023-2027

FMR: FY2027
Property value: --
Tax rate: --
Mortgage rate: --

ZIP 52054 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 52054 (La Motte, IA) is $970 a month. That is up 3.2% from $940 in FY 2026. La Motte is in the Dubuque, IA MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,131. Among 22 ZIP codes in Dubuque County, 52054 is tied for the 18th-highest two-bedroom rent (county range $970–$1,320). The median county two-bedroom FMR in Iowa is $927, so ZIP 52054 is 5% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 52054
Bedrooms	FY 2026	FY 2027	Change	90–110% range
Studio	$690	$700	+1.4%	$630–$770
1BR	$720	$760	+5.6%	$684–$836
2BR	$940	$970	+3.2%	$873–$1,067
3BR	$1,210	$1,310	+8.3%	$1,179–$1,441
4BR	$1,510	$1,630	+7.9%	$1,467–$1,793

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 52054
Fiscal year	Studio	1BR	2BR	3BR	4BR
FY 2027	$700	$760	$970	$1,310	$1,630
FY 2026	$690	$720	$940	$1,210	$1,510
FY 2025	$680	$700	$920	$1,180	$1,430
FY 2024	$600	$660	$860	$1,160	$1,460
FY 2023	$530	$610	$800	$1,070	$1,360

Two-bedroom rent in nearby Dubuque County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code	2 bedroom	vs. 52054
52033	$1,050	+8.2%
52039	$1,170	+20.6%
52040	$1,200	+23.7%
52045	$1,050	+8.2%
52046	$1,190	+22.7%
52052	$970	0.0%
52053	$970	0.0%
52054Current	$970	—
52056	$990	+2.1%
52065	$1,000	+3.1%
52068	$1,220	+25.8%
52073	$1,320	+36.1%

Questions about ZIP 52054 rents

How much will Section 8 pay for a two-bedroom in ZIP 52054?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,131, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,018 to $1,244 a month; under the ZIP-level Small Area FMR of $970 it would be $873 to $1,067. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 52054 in?

ZIP 52054 is in the Dubuque, IA MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,131.

How much did fair market rent change in ZIP 52054 for FY 2027?

The two-bedroom FMR rose 3.2%, from $940 in FY 2026 to $970 in FY 2027. Since FY 2023 it has risen 21.3%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rent La Motte, IA fair market rent IA statewide rents What is SAFMR?Data sources