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Harvey city, IA

ZIP 50119 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 50119

Median Home Value
$98,900
Median Rent
$638
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$635/mo PITI).

15%
Rent-to-Income Ratio

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

1.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.9 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 50119 in Harvey 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 $635. That sits below the local median household income ($50,833), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
11.4%+10% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
8.0%-46% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
0.6%-92% vs US avg
x
Rent Burden >30%
15.4%-69% vs US avg
x
Mortgage-Free
50.0%+31% vs US avg
x
$98,900
Home Value
$638
Rent
1976
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 detached85.8%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other14.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$98,900
Median rent$638
Owner-occupied83.3%
Vacant11.4%
Price-to-income1.9x
Est. income to buy$27,000