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Sioux City city, IA

ZIP 51104 — 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 51104

Median Home Value
$193,000
Median Rent
$810
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,240/mo PITI).

13%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.9 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 51104 in Sioux City city, IA, a household would need roughly $53,000 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 $1,240. That sits below the local median household income ($74,984), 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
4.8%-53% vs US avg
x
Broadband Access
87.1%+0% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.5%-92% vs US avg
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$193,000
Home Value
$810
Rent
1958
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached72.1%
  • 1-unit attached3.5%
  • 2-9 units9.7%
  • 10+ units14.0%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$193,000
Median rent$810
Owner-occupied64.7%
Vacant4.8%
Price-to-income2.6x
Est. income to buy$53,000