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Hartford city, IA

ZIP 50118 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50118

Median Home Value
$177,100
Median Rent
$892
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,138/mo PITI).

13%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 50118 in Hartford city, IA, a household would need roughly $49,000 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 $1,138. That sits below the local median household income ($79,583), 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
93.7%+43% vs US avg
x
Vacancy Rate
7.2%-30% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
1.1%-92% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
39.1%+2% vs US avg
x
$177,100
Home Value
$892
Rent
1975
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other26.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,100
Median rent$892
Owner-occupied93.7%
Vacant7.2%
Price-to-income2.2x
Est. income to buy$49,000