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St. Olaf city, IA

ZIP 52072 — 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 52072

Median Home Value
$113,500
Median Rent
$538
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$729/mo PITI).

10%
Rent-to-Income Ratio

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

1.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 52072 in St. Olaf city, IA, a household would need roughly $31,000 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 $729. That sits below the local median household income ($66,667), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
50.5%-23% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
73.5%-16% vs US avg
x
4+ Bedrooms
14.0%-5% vs US avg
x
Built Pre-1939
10.3%-20% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
74.3%+94% vs US avg
x
$113,500
Home Value
$538
Rent
1938
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached77.1%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units22.9%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$113,500
Median rent$538
Owner-occupied50.5%
Vacant6.5%
Price-to-income1.7x
Est. income to buy$31,000