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Joice city, IA

ZIP 50446 — 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 50446

Median Home Value
$163,300
Median Rent
$456
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,049/mo PITI).

6%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.8 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 50446 in Joice city, IA, a household would need roughly $45,000 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 $1,049. That sits below the local median household income ($98,750), 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
84.5%+29% vs US avg
x
Vacancy Rate
0.9%-91% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
14.0%+10% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
2.9%-94% vs US avg
x
Mortgage-Free
61.6%+61% vs US avg
x
$163,300
Home Value
$456
Rent
1946
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached0.0%
  • 2-9 units7.2%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$163,300
Median rent$456
Owner-occupied84.5%
Vacant0.9%
Price-to-income1.7x
Est. income to buy$45,000