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ZIP 58107 — Housing & Real Estate

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

Low Income Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 58107

Median Home Value
$174,500
Median Rent
$681
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,121/mo PITI).

28%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

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

21.4 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 58107, a household would need roughly $48,000 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 $1,121. That is about 63% above the local median household income ($29,451), 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

Vacancy rate 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
3.4%-95% vs US avg
x
Vacancy Rate
19.6%+90% vs US avg
x
Broadband Access
70.3%-19% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
28.9%-24% vs US avg
x
$174,500
Home Value
$681
Rent
1957
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 detached0.5%
  • 1-unit attached0.8%
  • 2-9 units10.8%
  • 10+ units87.1%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,500
Median rent$681
Owner-occupied3.4%
Vacant19.6%
Price-to-income5.9x
Est. income to buy$48,000