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Ridgeway city, IA

ZIP 52165 — 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 52165

Median Home Value
$270,800
Median Rent
$510
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,740/mo PITI).

7%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

44.2 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 52165 in Ridgeway city, IA, a household would need roughly $75,000 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 $1,740. That sits below the local median household income ($91,250), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.9%+22% vs US avg
x
Vacancy Rate
0.7%-93% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
9.2%-28% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
36.8%-4% vs US avg
x
$270,800
Home Value
$510
Rent
1944
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 detached86.3%
  • 1-unit attached0.2%
  • 2-9 units9.0%
  • 10+ units4.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$270,800
Median rent$510
Owner-occupied79.9%
Vacant0.7%
Price-to-income3.0x
Est. income to buy$75,000