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Mount Ayr city, IA

ZIP 50854 — 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 50854

Median Home Value
$151,400
Median Rent
$447
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$973/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.

28.2 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 50854 in Mount Ayr city, IA, a household would need roughly $42,000 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 $973. That sits below the local median household income ($69,352), 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 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.8%+13% vs US avg
x
Vacancy Rate
14.2%+38% vs US avg
x
Broadband Access
83.2%-4% vs US avg
x
4+ Bedrooms
7.2%-51% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.6%-91% vs US avg
x
Mortgage-Free
44.6%+17% vs US avg
x
$151,400
Home Value
$447
Rent
1965
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 detached79.4%
  • 1-unit attached4.4%
  • 2-9 units5.5%
  • 10+ units3.5%
  • Mobile home & other7.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$151,400
Median rent$447
Owner-occupied73.8%
Vacant14.2%
Price-to-income2.2x
Est. income to buy$42,000