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Oskaloosa city, IA

ZIP 52577 — 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 52577

Median Home Value
$143,700
Median Rent
$701
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$923/mo PITI).

13%
Rent-to-Income Ratio

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

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.1 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 52577 in Oskaloosa city, IA, a household would need roughly $40,000 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 $923. That sits below the local median household income ($65,589), 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
65.7%+0% vs US avg
x
Vacancy Rate
8.5%-18% vs US avg
x
Broadband Access
86.1%-1% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
12.7%-74% vs US avg
x
Mortgage-Free
48.3%+27% vs US avg
x
$143,700
Home Value
$701
Rent
1968
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.3%
  • 1-unit attached1.5%
  • 2-9 units15.2%
  • 10+ units5.1%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$143,700
Median rent$701
Owner-occupied65.7%
Vacant8.5%
Price-to-income2.2x
Est. income to buy$40,000