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Decorah city, IA

ZIP 52101 — 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 52101

Median Home Value
$249,500
Median Rent
$708
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,603/mo PITI).

12%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.4 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 52101 in Decorah city, IA, a household would need roughly $69,000 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 $1,603. That is roughly in line with the local median household income ($70,046). 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
74.3%+14% vs US avg
x
Vacancy Rate
9.8%-5% vs US avg
x
Broadband Access
86.0%-1% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
4.7%-64% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
13.4%-73% vs US avg
x
Mortgage-Free
44.5%+16% vs US avg
x
$249,500
Home Value
$708
Rent
1968
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached77.7%
  • 1-unit attached2.9%
  • 2-9 units12.3%
  • 10+ units5.2%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$249,500
Median rent$708
Owner-occupied74.3%
Vacant9.8%
Price-to-income3.6x
Est. income to buy$69,000