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Floyd city, IA

ZIP 50435 — 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 50435

Median Home Value
$148,400
Median Rent
$470
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$953/mo PITI).

8%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.3 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 50435 in Floyd city, IA, a household would need roughly $41,000 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 $953. That sits below the local median household income ($68,194), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
75.6%+16% vs US avg
x
Vacancy Rate
12.4%+21% vs US avg
x
Broadband Access
90.4%+4% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
13.0%+2% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
5.4%-89% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$148,400
Home Value
$470
Rent
1942
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 detached96.8%
  • 1-unit attached2.6%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$148,400
Median rent$470
Owner-occupied75.6%
Vacant12.4%
Price-to-income2.2x
Est. income to buy$41,000