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Sioux City city, IA

ZIP 51106 — 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 51106

Median Home Value
$186,300
Median Rent
$890
Affordability Snapshot
$51,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,197/mo PITI).

14%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.4 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 51106 in Sioux City city, IA, a household would need roughly $51,000 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 $1,197. That sits below the local median household income ($74,486), 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
71.2%+9% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
7.7%-48% vs US avg
x
Built Pre-1939
9.4%-27% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
26.3%-47% vs US avg
x
Mortgage-Free
37.9%-1% vs US avg
x
$186,300
Home Value
$890
Rent
1961
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 detached75.9%
  • 1-unit attached4.0%
  • 2-9 units6.7%
  • 10+ units10.1%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$186,300
Median rent$890
Owner-occupied71.2%
Vacant5.0%
Price-to-income2.5x
Est. income to buy$51,000