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Earling city, IA

ZIP 51530 — 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 51530

Median Home Value
$150,700
Median Rent
$508
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$968/mo PITI).

11%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

24.7 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 51530 in Earling city, IA, a household would need roughly $41,000 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 $968. That sits below the local median household income ($53,750), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.1%+13% vs US avg
x
Vacancy Rate
11.9%+16% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
52.5%+37% vs US avg
x
$150,700
Home Value
$508
Rent
1945
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached95.8%
  • 1-unit attached1.2%
  • 2-9 units2.7%
  • 10+ units0.0%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,700
Median rent$508
Owner-occupied74.1%
Vacant11.9%
Price-to-income2.8x
Est. income to buy$41,000