WhereCanIAfford › Metros › Sioux City, IA

Salary needed to buy a home in Sioux City, IA

$71,389/yr is the income needed to buy the typical $226,131 home in Sioux City, IA at today's 7.28% rate — about $1,666/mo.

The math (shown)

226,131 price − 10% down (22,613) = 203,518 loan
30-yr fixed at 7.28% on 203,518 = 1,392/mo principal+interest
+ 273/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,666/mo PITI ÷ 0.28 = 5,949/mo → 71,389/yr required

against Zillow ZHVI 2026-08 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)) and the 7.28% FRED 30-yr rate (2026-10-01). Honest null: Census fetch failed: The operation was aborted

Can I afford Sioux City, IA on my salary?

Your salary:

Rent vs own here

Honest null: HUD FMR needs a free huduser.gov token (env.HUD_TOKEN). Honest-null until set. (HUD FMR needs a free token; not wired here.)

FAQ

How much do I need to make to live in Sioux City, IA?
To buy the typical home, about $71,389/yr. Renting needs less; this page sizes the buy.
What home value is this based on?
Zillow's ZHVI typical-home-value for the Sioux City, IA-NE-SD metro (2026-08): $226,131.
Is the mortgage rate current?
Yes — 7.28% from FRED's weekly 30-year fixed average (2026-10-01).

Glossary

ZHVI
Zillow Home Value Index — the typical home value for a region (35th–65th percentile, smoothed, seasonally adjusted).
Front-end DTI
Housing payment as a share of gross income; lenders commonly cap it near 28%.
PITI
Principal, Interest, Taxes, and Insurance — the full monthly housing cost.

For Sioux City, IA: FIRE number → · take-home vs another city → · is there a better town for you? →

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