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Primghar city, IA

ZIP 51245 — 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 51245

Median Home Value
$139,500
Median Rent
$628
Affordability Snapshot
$38,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$896/mo PITI).

10%
Rent-to-Income Ratio

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

1.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.5 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 51245 in Primghar city, IA, a household would need roughly $38,000 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 $896. That sits below the local median household income ($78,958), 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
86.6%+32% vs US avg
x
Vacancy Rate
13.7%+33% vs US avg
x
Broadband Access
93.2%+7% vs US avg
x
4+ Bedrooms
10.8%-27% vs US avg
x
Built Pre-1939
6.1%-53% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
45.5%+19% vs US avg
x
$139,500
Home Value
$628
Rent
1961
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached89.2%
  • 1-unit attached3.4%
  • 2-9 units4.9%
  • 10+ units2.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$139,500
Median rent$628
Owner-occupied86.6%
Vacant13.7%
Price-to-income1.8x
Est. income to buy$38,000