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Bayard city, IA

ZIP 50029 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50029

Median Home Value
$72,900
Median Rent
$496
Affordability Snapshot
$20,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$468/mo PITI).

13%
Rent-to-Income Ratio

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

1.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.2 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 50029 in Bayard city, IA, a household would need roughly $20,000 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 $468. That sits below the local median household income ($44,531), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.4%+23% vs US avg
x
Vacancy Rate
9.5%-7% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
4.6%-69% vs US avg
x
Built Pre-1939
10.9%-15% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
3.7%-93% vs US avg
x
Mortgage-Free
67.0%+75% vs US avg
x
$72,900
Home Value
$496
Rent
1938
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached90.1%
  • 1-unit attached0.0%
  • 2-9 units7.6%
  • 10+ units0.0%
  • Mobile home & other2.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$72,900
Median rent$496
Owner-occupied80.4%
Vacant9.5%
Price-to-income1.6x
Est. income to buy$20,000