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Des Moines city, IA

ZIP 50312 — 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 50312

Median Home Value
$274,400
Median Rent
$1,018
Affordability Snapshot
$76,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,763/mo PITI).

15%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

22.5 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 50312 in Des Moines city, IA, a household would need roughly $76,000 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 $1,763. That is roughly in line with the local median household income ($82,720). 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
64.5%-1% vs US avg
x
Vacancy Rate
6.2%-40% vs US avg
x
Broadband Access
89.8%+3% vs US avg
x
4+ Bedrooms
5.7%-61% vs US avg
x
Built Pre-1939
9.8%-23% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
37.1%-3% vs US avg
x
$274,400
Home Value
$1,018
Rent
1944
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached60.2%
  • 1-unit attached2.1%
  • 2-9 units6.2%
  • 10+ units31.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$274,400
Median rent$1,018
Owner-occupied64.5%
Vacant6.2%
Price-to-income3.3x
Est. income to buy$76,000