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Earlham city, IA

ZIP 50072 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50072

Median Home Value
$298,500
Median Rent
$518
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,917/mo PITI).

6%
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.

48.0 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 50072 in Earlham city, IA, a household would need roughly $82,000 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 $1,917. That sits below the local median household income ($111,518), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
86.6%+32% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
12.7%-14% vs US avg
x
Built Pre-1939
0.8%-94% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
10.0%-80% vs US avg
x
Mortgage-Free
30.6%-20% vs US avg
x
$298,500
Home Value
$518
Rent
1979
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 detached89.0%
  • 1-unit attached2.9%
  • 2-9 units4.6%
  • 10+ units0.4%
  • Mobile home & other3.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$298,500
Median rent$518
Owner-occupied86.6%
Vacant5.5%
Price-to-income2.7x
Est. income to buy$82,000