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Crystal Lake city, IA

ZIP 50432 — 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 50432

Median Home Value
$86,000
Median Rent
$615
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$552/mo PITI).

9%
Rent-to-Income Ratio

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

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

11.7 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 50432 in Crystal Lake city, IA, a household would need roughly $24,000 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 $552. That sits below the local median household income ($82,500), 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
87.0%+33% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
71.4%+44% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$86,000
Home Value
$615
Rent
1948
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached91.2%
  • 1-unit attached0.0%
  • 2-9 units2.7%
  • 10+ units0.0%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$86,000
Median rent$615
Owner-occupied87.0%
Vacant4.4%
Price-to-income1.0x
Est. income to buy$24,000