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Clarinda city, IA

ZIP 51632 — 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 51632

Median Home Value
$135,200
Median Rent
$577
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$868/mo PITI).

13%
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.

19.5 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 51632 in Clarinda city, IA, a household would need roughly $37,000 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 $868. That sits below the local median household income ($54,758), 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
70.9%+8% vs US avg
x
Vacancy Rate
12.5%+21% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
53.2%+39% vs US avg
x
$135,200
Home Value
$577
Rent
1958
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 detached77.0%
  • 1-unit attached2.2%
  • 2-9 units12.6%
  • 10+ units5.8%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$135,200
Median rent$577
Owner-occupied70.9%
Vacant12.5%
Price-to-income2.5x
Est. income to buy$37,000