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Otho city, IA

ZIP 50569 — 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 50569

Median Home Value
$86,000
Median Rent
$547
Affordability Snapshot
$24,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$552/mo PITI).

14%
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.

13.1 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 50569 in Otho city, IA, a household would need roughly $24,000 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 $552. That sits below the local median household income ($46,406), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.8%+22% vs US avg
x
Vacancy Rate
0.6%-94% vs US avg
x
Broadband Access
81.7%-6% vs US avg
x
4+ Bedrooms
3.8%-75% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.7%-91% vs US avg
x
Mortgage-Free
59.5%+56% vs US avg
x
$86,000
Home Value
$547
Rent
1957
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached83.3%
  • 1-unit attached0.9%
  • 2-9 units9.7%
  • 10+ units0.0%
  • Mobile home & other6.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$86,000
Median rent$547
Owner-occupied79.8%
Vacant0.6%
Price-to-income1.9x
Est. income to buy$24,000