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North Sioux City city, SD

ZIP 57049 — 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 57049

Median Home Value
$406,300
Median Rent
$1,082
Affordability Snapshot
$112,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,610/mo PITI).

14%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

31.3 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 57049 in North Sioux City city, SD, a household would need roughly $112,000 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 $2,610. That is about 20% above the local median household income ($93,239), so the median earner would likely stretch or need a larger down payment. 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
60.7%-7% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
17.0%+15% vs US avg
x
Built Pre-1939
1.4%-89% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
43.3%+13% vs US avg
x
$406,300
Home Value
$1,082
Rent
2002
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached54.5%
  • 1-unit attached7.4%
  • 2-9 units11.3%
  • 10+ units22.3%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$406,300
Median rent$1,082
Owner-occupied60.7%
Vacant2.9%
Price-to-income4.4x
Est. income to buy$112,000