ZIP Code 51109 — Sioux City, IA Home Prices (2026)
The typical home in ZIP 51109 (Sioux City, Iowa) is worth about $181,000 at roughly $149 per square foot — about the same as the Sioux City median and 38% more affordable than the typical U.S. home.
How 51109 compares
ZIP 51109 is a mid-priced ZIP code for Sioux City: its typical home value of $181,000 ranks #4 of the 7 Sioux City ZIP codes we track (the citywide range runs from $142,000 in 51105 to $261,000 in 51108). Per square foot it costs about $149, against $149 for Sioux City as a whole, $135 for Iowa, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 51109 | $181,000 | $149 |
| Sioux City, IA | $181,000 | $149 |
| Iowa | $212,000 | $135 |
| United States | $294,000 | $195 |
Home value by size in 51109
Using this ZIP’s rate of about $149 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $149,000 |
| 1,500 sq ft | $223,500 |
| 2,000 sq ft | $298,000 |
| 2,500 sq ft | $372,500 |
| 3,000 sq ft | $447,000 |
Salary needed to buy a home in ZIP 51109
To buy the typical $181,000 home in ZIP 51109 with 20% down, you need a household income of roughly $49,000 a year (about $1,150 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $59,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,100 | $1,430/mo | $61,000/yr |
| 10% (+PMI) | $18,100 | $1,370/mo | $59,000/yr |
| 20% | $36,200 | $1,150/mo | $49,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 51109
At about $149 per square foot, here is roughly how much home different budgets get you in ZIP 51109:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1010 sq ft | around the typical home here |
| $200k | 1340 sq ft | around the typical home here |
| $250k | 1680 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2010 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2680 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 51109 home.
Estimate a specific home in 51109
The estimator below is pre-set to ZIP 51109 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Sioux City ZIP codes by home value
Where 51109 sits among Sioux City’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 51108 | $261,000 | $165 |
| 2 | 51104 | $231,000 | $133 |
| 3 | 51106 | $226,000 | $163 |
| 4 | 51109 (this page) | $181,000 | $149 |
| 5 | 51101 | $180,000 | $159 |
| 6 | 51103 | $164,000 | $137 |
| 7 | 51105 | $142,000 | $125 |
ZIP 51109 home prices: frequently asked
What is the average home price in ZIP code 51109? +
What is the price per square foot in 51109? +
What salary do you need to buy a house in ZIP 51109? +
Is 51109 an expensive ZIP code? +
See the full Sioux City home values page, all Iowa cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.