US5.com
  1. Home
  2. States
  3. Iowa
  4. ZIP 50540
  5. Housing & Real Estate
Fonda city, IA

ZIP 50540 — 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 50540

Median Home Value
$98,500
Median Rent
$434
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$633/mo PITI).

6%
Rent-to-Income Ratio

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

1.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.9 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 50540 in Fonda city, IA, a household would need roughly $27,000 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 $633. That sits below the local median household income ($86,818), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
12.1%+18% vs US avg
x
Broadband Access
81.8%-6% vs US avg
x
4+ Bedrooms
5.1%-65% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.5%-49% vs US avg
x
Mortgage-Free
53.4%+40% vs US avg
x
$98,500
Home Value
$434
Rent
1948
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 detached84.6%
  • 1-unit attached3.1%
  • 2-9 units10.9%
  • 10+ units0.0%
  • Mobile home & other1.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,500
Median rent$434
Owner-occupied75.2%
Vacant12.1%
Price-to-income1.1x
Est. income to buy$27,000