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Gibson city, IA

ZIP 50104 — 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 50104

Median Home Value
$191,700
Median Rent
$563
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,231/mo PITI).

12%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

28.4 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 50104 in Gibson city, IA, a household would need roughly $53,000 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 $1,231. That is roughly in line with the local median household income ($57,083). 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
80.0%+22% vs US avg
x
Vacancy Rate
8.3%-19% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
72.7%+90% vs US avg
x
$191,700
Home Value
$563
Rent
1966
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached85.0%
  • 1-unit attached0.0%
  • 2-9 units6.7%
  • 10+ units0.0%
  • Mobile home & other8.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$191,700
Median rent$563
Owner-occupied80.0%
Vacant8.3%
Price-to-income3.4x
Est. income to buy$53,000