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Silver City city, IA

ZIP 51571 — 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 51571

Median Home Value
$225,000
Median Rent
$546
Affordability Snapshot
$62,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,445/mo PITI).

7%
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.

34.3 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 51571 in Silver City city, IA, a household would need roughly $62,000 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 $1,445. That sits below the local median household income ($92,778), 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
84.4%+29% vs US avg
x
Vacancy Rate
7.9%-23% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
13.2%-74% vs US avg
x
Mortgage-Free
39.3%+3% vs US avg
x
$225,000
Home Value
$546
Rent
1942
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 detached98.5%
  • 1-unit attached0.0%
  • 2-9 units0.8%
  • 10+ units0.0%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$225,000
Median rent$546
Owner-occupied84.4%
Vacant7.9%
Price-to-income2.4x
Est. income to buy$62,000