US5.com
  1. Home
  2. States
  3. Iowa
  4. ZIP 50401
  5. Housing & Real Estate
Mason City city, IA

ZIP 50401 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50401

Median Home Value
$134,100
Median Rent
$695
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$861/mo PITI).

13%
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.

16.1 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 50401 in Mason City city, IA, a household would need roughly $37,000 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 $861. That sits below the local median household income ($63,807), 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
68.2%+4% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
9.5%-26% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
14.5%-71% vs US avg
x
Mortgage-Free
42.4%+11% vs US avg
x
$134,100
Home Value
$695
Rent
1955
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached77.2%
  • 1-unit attached3.4%
  • 2-9 units8.5%
  • 10+ units9.2%
  • Mobile home & other1.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,100
Median rent$695
Owner-occupied68.2%
Vacant9.8%
Price-to-income2.1x
Est. income to buy$37,000