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Humboldt city, IA

ZIP 50548 — 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 50548

Median Home Value
$177,700
Median Rent
$561
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,141/mo PITI).

9%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

26.4 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 50548 in Humboldt city, IA, a household would need roughly $49,000 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 $1,141. That sits below the local median household income ($71,043), 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
71.0%+9% vs US avg
x
Vacancy Rate
4.6%-55% vs US avg
x
Broadband Access
85.6%-2% vs US avg
x
4+ Bedrooms
9.9%-33% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.4%-63% vs US avg
x
Mortgage-Free
52.2%+37% vs US avg
x
$177,700
Home Value
$561
Rent
1964
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached76.7%
  • 1-unit attached0.4%
  • 2-9 units16.0%
  • 10+ units5.9%
  • Mobile home & other1.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$177,700
Median rent$561
Owner-occupied71.0%
Vacant4.6%
Price-to-income2.5x
Est. income to buy$49,000