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Cumberland city, IA

ZIP 50843 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50843

Median Home Value
$81,700
Median Rent
$706
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$525/mo PITI).

17%
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.

9.6 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 50843 in Cumberland city, IA, a household would need roughly $22,000 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 $525. That sits below the local median household income ($48,438), 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
76.0%+16% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
68.8%-21% vs US avg
x
4+ Bedrooms
10.5%-29% vs US avg
x
Built Pre-1939
2.2%-83% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.0%-88% vs US avg
x
Mortgage-Free
63.9%+67% vs US avg
x
$81,700
Home Value
$706
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached91.2%
  • 1-unit attached0.0%
  • 2-9 units8.3%
  • 10+ units0.0%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$81,700
Median rent$706
Owner-occupied76.0%
Vacant8.8%
Price-to-income1.7x
Est. income to buy$22,000