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St. Charles city, IA

ZIP 50240 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50240

Median Home Value
$297,200
Median Rent
$675
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,909/mo PITI).

7%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.7 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 50240 in St. Charles city, IA, a household would need roughly $82,000 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 $1,909. That sits below the local median household income ($110,027), 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
87.4%+34% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
7.0%-52% vs US avg
x
Built Pre-1939
0.5%-96% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
42.4%+11% vs US avg
x
$297,200
Home Value
$675
Rent
1987
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 detached93.5%
  • 1-unit attached2.5%
  • 2-9 units3.0%
  • 10+ units0.0%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$297,200
Median rent$675
Owner-occupied87.4%
Vacant6.9%
Price-to-income2.7x
Est. income to buy$82,000