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ZIP 88221 — Housing & Real Estate

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

Middle Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 88221

Median Home Value
$194,400
Median Rent
$1,214
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,249/mo PITI).

20%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 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 88221, a household would need roughly $54,000 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 $1,249. That sits below the local median household income ($72,337), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics

Historic housing stock (28% built before 1939)

Owner Occupied
44.7%-32% vs US avg
x
Vacancy Rate
12.6%+22% vs US avg
x
Broadband Access
91.8%+5% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
27.8%+117% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.7%-89% vs US avg
x
Mortgage-Free
53.0%+39% vs US avg
x
$194,400
Home Value
$1,214
Rent
1957
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached83.5%
  • 1-unit attached0.0%
  • 2-9 units5.1%
  • 10+ units8.8%
  • Mobile home & other2.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,400
Median rent$1,214
Owner-occupied44.7%
Vacant12.6%
Price-to-income2.7x
Est. income to buy$54,000