Garnavillo, Iowa.
Typical home $166,692 (+6.3% in a year).
to buy the typical home at today's mortgage rate — +$457 (+110%) since Jan 2020.
- 1 year
- Up $9,896 +6%
- $156,796$166,692 since Sep 2025
- 5 years
- Up $32,355 +24%
- $134,337$166,692 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Garnavillo$875
- Iowa$1,242
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Garnavillo, IA rose 6.3% over the past year — faster than the nation's +1.2%.
Living in Garnavillo, Clayton County, Iowa
Garnavillo is a city of 763 people in Clayton County. Half its households earn more than $75,357 a year and half less, against $67,242 across Clayton County; 12% of its people live below the poverty line. 84% of its homes are lived in by their owners and 16% are rented. Unemployment in Clayton County was 3.6% in August 2026, and the county had 0.9% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Garnavillo is a very small Iowa town, and most of the homes in it are lived in by their owners. Household incomes run higher than across Clayton County, though a noticeable share of residents still live below the poverty line, and a four-year degree is held by fewer adults than in much of the country. Winters are cold, with January the coldest month and a good deal of snow, while July brings warm summer days and the year brings a fair amount of rain.
Work. Residents work mostly in manufacturing, in schools, hospitals and social care, in shops, and in restaurants, hotels and entertainment. Across Clayton County, some of the largest workplaces are Mobile Track Solutions, which makes construction machinery, Prairie Farms Dairy in Luana, a cheese maker, and the MFL MarMac Community School District. Unemployment across the county is a little lower than a year ago, though the number of jobs there has slipped slightly over the past year, and some people work from home.
Things to do. A short drive away, the Upper Mississippi River National Wildlife and Fish Refuge is a protected area for time near the river, and Pikes Peak State Park is another protected area close by. The Volga River is also a short drive from town. Farther afield, Effigy Mounds National Monument, an archaeological site, is a longer drive away.
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- 354households
- 15%of adults have a degree
- 12%below the poverty line
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Clayton County had 6,171 jobs in 2025, 0.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 28° and lows near 10°; warmest in July, with highs near 84° and lows near 64°. About 34 inches of snow and 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Guttenberg L&d weather station, 9 miles away (NOAA).
Largest workplaces in Clayton County
- Mobile Track SolutionsConstruction machinery manufacturing208
- Prairie Farms Dairy - LuanaCheese manufacturing200
- MFL MarMac Comm School DistrictSchool district132FTE
- Bituma Gencor IndustriesMixers, concrete, portable, manufacturing126
- Edgewood LockerCustom slaughtering107
- Guttenberg Municipal HospitalCritical access hospital107FTE
- Clayton Ridge Comm School DistrictSchool district95FTE
- Edgewood-Colesburg Comm School DistrictSchool district93FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 16 workplaces with 20 or more staff, 1,144 people in all across the county; Garnavillo has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- HailRelatively high
- Inland floodingRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
- TornadoesRelatively high
- LandslidesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Garnavillo’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Clayton County.
Garnavillo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Garnavillo$166,692
- Iowa$236,623
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Garnavillo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Garnavillo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.