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Ames city, IA

ZIP 50010 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50010

Median Home Value
$243,200
Median Rent
$880
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,562/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.7x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 50010 in Ames city, IA, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,562. That is roughly in line with the local median household income ($65,701). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.1%-17% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
79.1%-9% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
2.5%-80% vs US avg
x
Built Post-2014
2.5%-64% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
45.8%+20% vs US avg
x
$243,200
Home Value
$880
Rent
1978
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached48.0%
  • 1-unit attached8.1%
  • 2-9 units16.2%
  • 10+ units22.1%
  • Mobile home & other5.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$243,200
Median rent$880
Owner-occupied54.1%
Vacant4.5%
Price-to-income3.7x
Est. income to buy$67,000