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Westphalia city, IA

ZIP 51578 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 51578

Median Home Value
$94,500
Median Rent
$575
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$607/mo PITI).

6%
Rent-to-Income Ratio

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

0.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.7 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 51578 in Westphalia city, IA, a household would need roughly $26,000 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 $607. That sits below the local median household income ($108,646), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.6%+29% vs US avg
x
Vacancy Rate
11.0%+6% vs US avg
x
Broadband Access
87.7%+1% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
0.0%
x
Built Post-2014
0.0%
x
Rent Burden >30%
60.0%+21% vs US avg
x
Mortgage-Free
74.5%+95% vs US avg
x
$94,500
Home Value
$575
Rent
1938
Year Built
1989
Moved In

Residents have lived here since ~1989 on average

Housing Structure

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

  • 1-unit detached78.1%
  • 1-unit attached0.0%
  • 2-9 units5.5%
  • 10+ units0.0%
  • Mobile home & other16.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,500
Median rent$575
Owner-occupied84.6%
Vacant11.0%
Price-to-income0.9x
Est. income to buy$26,000