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Sioux City city, IA

ZIP 51103 — 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 51103

Median Home Value
$124,400
Median Rent
$712
Affordability Snapshot
$34,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$799/mo PITI).

15%
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.

14.6 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 51103 in Sioux City city, IA, a household would need roughly $34,000 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 $799. That sits below the local median household income ($57,212), 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
64.7%-1% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
82.2%-5% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
13.1%+2% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
24.9%-50% vs US avg
x
Mortgage-Free
41.5%+9% vs US avg
x
$124,400
Home Value
$712
Rent
1949
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 detached75.6%
  • 1-unit attached1.5%
  • 2-9 units12.7%
  • 10+ units7.7%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$124,400
Median rent$712
Owner-occupied64.7%
Vacant5.9%
Price-to-income2.2x
Est. income to buy$34,000