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ZIP 57101 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 57101

Median Home Value
$435,000
Median Rent
$699
Affordability Snapshot
$120,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,794/mo PITI).

17%
Rent-to-Income Ratio

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

8.7x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

51.9 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 57101, a household would need roughly $120,000 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 $2,794. That is about 141% above the local median household income ($49,736), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
18.4%-72% vs US avg
x
Vacancy Rate
2.6%-75% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
2.7%-61% vs US avg
x
Rent Burden >30%
11.6%-77% vs US avg
x
Mortgage-Free
15.7%-59% vs US avg
x
$435,000
Home Value
$699
Rent
1981
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached2.6%
  • 1-unit attached0.9%
  • 2-9 units31.2%
  • 10+ units64.2%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$435,000
Median rent$699
Owner-occupied18.4%
Vacant2.6%
Price-to-income8.7x
Est. income to buy$120,000