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Hartley city, IA

ZIP 51346 — 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 51346

Median Home Value
$125,800
Median Rent
$556
Affordability Snapshot
$35,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$808/mo PITI).

11%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.9 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 51346 in Hartley city, IA, a household would need roughly $35,000 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 $808. That sits below the local median household income ($60,179), 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
80.0%+22% vs US avg
x
Vacancy Rate
8.3%-20% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
8.4%-35% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.7%-44% vs US avg
x
Mortgage-Free
44.2%+16% vs US avg
x
$125,800
Home Value
$556
Rent
1956
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 detached87.1%
  • 1-unit attached3.9%
  • 2-9 units4.8%
  • 10+ units4.1%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$125,800
Median rent$556
Owner-occupied80.0%
Vacant8.3%
Price-to-income2.1x
Est. income to buy$35,000