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River Sioux CDP, IA

ZIP 51545 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 51545

Median Home Value
$81,300
Median Rent
$310
Affordability Snapshot
$22,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$522/mo PITI).

6%
Rent-to-Income Ratio

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

1.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

21.9 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 51545 in River Sioux CDP, IA, a household would need roughly $22,000 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 $522. That sits below the local median household income ($67,083), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
84.9%+30% vs US avg
x
Vacancy Rate
20.1%+95% vs US avg
x
Broadband Access
63.9%-27% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.7%-66% vs US avg
x
Mortgage-Free
48.5%+27% vs US avg
x
$81,300
Home Value
$310
Rent
1938
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached92.6%
  • 1-unit attached0.0%
  • 2-9 units0.7%
  • 10+ units0.0%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$81,300
Median rent$310
Owner-occupied84.9%
Vacant20.1%
Price-to-income1.2x
Est. income to buy$22,000