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Learn about the people, housing, costs and businesses in Bernard, Iowa
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Bernard.
True all-in cost — P&I, taxes, insurance & utilities for homes in Bernard.
Find and compare lenders active near Bernard.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Bernard.
Seismic risk and earthquake insurance estimates for Bernard.
Wildfire exposure and insurance estimates for Bernard.
As of today, the 30-year fixed mortgage rate for Bernard is approximately 6.835% (6.869% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for BernardThe median home value in Bernard is $326k. The median monthly rent is $999. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Bernard have increased 10.4% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,323/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $57k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Bernard is $100k/year.
Calculate your buying powerThe largest employment sectors in Bernard are public administration (19%) and wholesale trade (12%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.