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Jamaica city, IA

ZIP 50128 — 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 50128

Median Home Value
$106,300
Median Rent
$356
Affordability Snapshot
$29,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$683/mo PITI).

9%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.9 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 50128 in Jamaica city, IA, a household would need roughly $29,000 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 $683. That sits below the local median household income ($50,179), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
82.5%+26% vs US avg
x
Vacancy Rate
2.7%-74% vs US avg
x
Broadband Access
73.2%-16% vs US avg
x
4+ Bedrooms
13.3%-10% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
12.5%-75% vs US avg
x
Mortgage-Free
49.7%+30% vs US avg
x
$106,300
Home Value
$356
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached88.8%
  • 1-unit attached0.0%
  • 2-9 units9.0%
  • 10+ units0.0%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$106,300
Median rent$356
Owner-occupied82.5%
Vacant2.7%
Price-to-income2.1x
Est. income to buy$29,000