The median home in Bernard, Iowa is valued at $277,483, up 5.2% year over year. Bernard is part of the Dubuque, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$277,483

+5.2%

Prices rising — worse for buyers.

Affordability

Enter your income for Bernard.

Income (annual)

Down Payment

$55,497 on $277,483

Example: $75,000 household income. Change it above to see your own.

Stretch30.7% of income

Above 28% but manageable with cuts.

PITI$1,916

P/I30.7%

Afford$253K

Gap-$24K

P&I $1,403Tax $363Ins $150

6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Bernard with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Dubuque, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Dubuque, IA metro.

View Dubuque, IA metro

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Bernard, IA