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Sibley city, IA

ZIP 51249 — 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 51249

Median Home Value
$150,000
Median Rent
$556
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$964/mo PITI).

11%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.5 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 51249 in Sibley city, IA, a household would need roughly $41,000 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 $964. That sits below the local median household income ($63,542), 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
78.0%+19% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
7.0%-53% vs US avg
x
Built Pre-1939
2.7%-79% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
26.4%-47% vs US avg
x
Mortgage-Free
61.5%+61% vs US avg
x
$150,000
Home Value
$556
Rent
1958
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached85.1%
  • 1-unit attached1.4%
  • 2-9 units11.0%
  • 10+ units2.0%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$150,000
Median rent$556
Owner-occupied78.0%
Vacant7.3%
Price-to-income2.4x
Est. income to buy$41,000