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Irwin city, IA

ZIP 51446 — 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 51446

Median Home Value
$94,200
Median Rent
$513
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$605/mo PITI).

10%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.3 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 51446 in Irwin city, IA, a household would need roughly $26,000 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 $605. That sits below the local median household income ($61,750), 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
88.5%+35% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
82.3%-5% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
18.1%+42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
74.6%+95% vs US avg
x
$94,200
Home Value
$513
Rent
1949
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached95.6%
  • 1-unit attached0.0%
  • 2-9 units2.2%
  • 10+ units0.0%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$94,200
Median rent$513
Owner-occupied88.5%
Vacant7.5%
Price-to-income1.5x
Est. income to buy$26,000