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Elgin city, IA

ZIP 52141 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52141

Median Home Value
$96,400
Median Rent
$413
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$619/mo PITI).

7%
Rent-to-Income Ratio

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

1.4x
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 52141 in Elgin city, IA, a household would need roughly $27,000 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 $619. That sits below the local median household income ($69,250), 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 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.0%+35% vs US avg
x
Vacancy Rate
18.4%+79% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
3.0%-94% vs US avg
x
Mortgage-Free
58.9%+54% vs US avg
x
$96,400
Home Value
$413
Rent
1960
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached85.3%
  • 1-unit attached0.4%
  • 2-9 units3.4%
  • 10+ units0.0%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$96,400
Median rent$413
Owner-occupied88.0%
Vacant18.4%
Price-to-income1.4x
Est. income to buy$27,000