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Sioux City city, IA

ZIP 51108 — 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 51108

Median Home Value
$166,600
Median Rent
$541
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,070/mo PITI).

8%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

25.7 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 51108 in Sioux City city, IA, a household would need roughly $46,000 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 $1,070. That sits below the local median household income ($78,333), 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
90.4%+38% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
85.3%-2% vs US avg
x
4+ Bedrooms
11.2%-25% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
35.4%-29% vs US avg
x
Mortgage-Free
41.8%+9% vs US avg
x
$166,600
Home Value
$541
Rent
1965
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached88.3%
  • 1-unit attached0.0%
  • 2-9 units1.3%
  • 10+ units5.3%
  • Mobile home & other5.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$166,600
Median rent$541
Owner-occupied90.4%
Vacant0.0%
Price-to-income2.1x
Est. income to buy$46,000