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Westgate city, IA

ZIP 50681 — 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 50681

Median Home Value
$138,500
Median Rent
$400
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$890/mo PITI).

7%
Rent-to-Income Ratio

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

2.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

28.9 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 50681 in Westgate city, IA, a household would need roughly $38,000 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 $890. That sits below the local median household income ($69,688), 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
89.4%+37% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
11.4%-23% vs US avg
x
Built Pre-1939
10.9%-14% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
25.0%-50% vs US avg
x
Mortgage-Free
49.4%+29% vs US avg
x
$138,500
Home Value
$400
Rent
1938
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached92.5%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units0.0%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$138,500
Median rent$400
Owner-occupied89.4%
Vacant6.5%
Price-to-income2.0x
Est. income to buy$38,000