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Denison city, IA

ZIP 51442 — 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 51442

Median Home Value
$146,200
Median Rent
$600
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$939/mo PITI).

11%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 51442 in Denison city, IA, a household would need roughly $40,000 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 $939. That sits below the local median household income ($64,399), 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
75.9%+16% vs US avg
x
Vacancy Rate
7.7%-25% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.3%-43% vs US avg
x
Mortgage-Free
51.5%+35% vs US avg
x
$146,200
Home Value
$600
Rent
1972
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 detached64.0%
  • 1-unit attached5.4%
  • 2-9 units11.5%
  • 10+ units8.0%
  • Mobile home & other11.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,200
Median rent$600
Owner-occupied75.9%
Vacant7.7%
Price-to-income2.3x
Est. income to buy$40,000