Español

Este sitio también está en español. Leer en español

City · 6,426 residents · Sioux County, Iowa

Orange City , Iowa

In Orange City, a typical home is worth $264,000 and typical rent is $789 a month. Compared with all of Sioux County, typical rent is 13% lower, the typical home value is 6% higher, and the share of households that own their home is 9 points lower.

WhatsApp

  • Typical home value

    $264,000

    6% above the county

    27% above Iowa

    • Orange City
    • Sioux
    • Iowa

  • Typical rent

    $789a month

    13% below the county

    19% below Iowa

    • Orange City
    • Sioux
    • Iowa

  • Typical household income

    $82,122a year

    5% below the county

    9% above Iowa

    • Orange City
    • Sioux
    • Iowa

  • Households that own their home

    67%

    9 points below the county

    5 points below Iowa

    • Orange City
    • Sioux
    • Iowa

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$318,210
2.1% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Orange City is in Sioux County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Sioux County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Orange City apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Cherokee, the typical home value is $136,700: 48% less than in Orange City ($264,000).

  2. 67% of households in Orange City own their home, against 76% in Sioux County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Orange City

What homes there are in Orange City, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Orange City, but it weighs less than in Sioux County: 66% against 80%.

Year built

In Orange City, half of the homes were built before 1975; in Sioux County, before 1973.

There are fewer big homes in Orange City than in Sioux County: 65% have 3 bedrooms or more, against 71%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,660 a month

Sioux County: $1,654 a month

Without a mortgage

$647 a month

Sioux County: $613 a month

Owners with a mortgage

57%

Sioux County: 55%

The typical cost for an owner with a mortgage in Orange City is $1,660 a month, near the figure in Sioux County ($1,654).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Orange City rose 54%; in Sioux County, it rose 49%.

The typical rent in Orange City stayed about the same over that time: the difference is within the Census margin of error.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOrange CitySioux CountyIowaUnited States
Rental vacancy Unreliable estimateUnreliable estimate5.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.9%1.6%3.4%
People per household 2.512.672.362.53
Drive alone 71%76%76%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 6%4%3%3%
Work from home 16%13%11%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute under 10 minutesUnreliable estimate10 to 19 minutes20 to 29 minutes

Households in Orange City are smaller: 2.51 people on average; in Sioux County, 2.67.

Working from home is more common in Orange City: 16%, against 13% in Sioux County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Orange City?

A typical home is tight for the typical income

We start with a typical home in Orange City, worth $264,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Orange City, which is $82,122 a year. For that payment to be 28% of income, a household would need to earn about $97,046 a year.

The calculator's FHA and conventional loan limits are those of all of Sioux County.

Your numbers

Local data
$

Starts at the typical home value in Orange City. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,240 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,264

at 7.18% · 30 years

Loan amount
$259,218
Total interest
$372,954
Paid off in
November 2056

Includes $4,458 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,916 a month

  • Tight

    $1,916 to $2,464 a month

    Your payment · 33%

  • Hard

    more than $2,464 a month

Compared with the typical household income in Orange City ($82,122 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,264
Principal & interest$1,756
Property tax$282
Home insurance$110
FHA mortgage insurance (MIP)$117

You need at least $9,240 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Orange City and Sioux County

Orange City is in Sioux County, Iowa. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Orange City's own numbers

Typical home value
$264,000
Typical monthly rent
$789
Typical yearly household income
$82,122
Households that own their home
67%
Effective property tax rate
1.28%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Sioux County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,000
Price change over 5 years (FHFA)
+49%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Sioux County.

Everything about Sioux County

Buying

Buying a home in Orange City

A typical home in Orange City is worth $264,000: 6% above the county and 27% above Iowa. With the typical household income in Orange City ($82,122 a year), a typical home costs 3.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Orange City 3.2 years
  • Sioux 2.9 years
  • Iowa 2.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sioux County

According to FHFA’s house price index, home prices in Sioux County rose 84% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Sioux County.

Period County Iowa U.S.
Last year (2025) +6.1% +3.2% +2.9%
5 years (2020–2025) +49% +41% +47%
10 years (2015–2025) +84% +65% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Orange City next to Sioux County, Iowa and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Orange City $264,000
  • Sioux $250,100
  • Iowa $208,000
  • United States $332,700
Typical monthly rent
  • Orange City $789
  • Sioux $908
  • Iowa $972
  • United States $1,413
Typical yearly household income
  • Orange City $82,122
  • Sioux $86,098
  • Iowa $75,059
  • United States $80,734
See the full table
Orange City next to Sioux County and Iowa
Measure Orange City Sioux County Iowa U.S.
Typical home value $264,000 $250,100 $208,000 $332,700
Typical monthly rent $789 $908 $972 $1,413
Typical yearly household income $82,122 $86,098 $75,059 $80,734
Households that own their home 67% 76% 72% 65%
Typical yearly property tax $3,387 $2,801 $2,897 $3,119
Effective property tax rate 1.28% 1.12% 1.39% 0.94%
Renters with high rent for their income 38% 30% 44% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sioux County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Orange City

For a typical $264,000 home in Orange City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Orange City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,264a month

    Least cash to close
    Down payment
    $9,240
    Cash to close
    $17,160
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $117

  • Conventional, 5% down $2,216a month

    Down payment
    $13,200
    Cash to close
    $21,120
    Rate
    7.18%
    Mortgage insurance
    PMI · $125

  • Conventional, 20% down, no PMI $1,822a month

    Down payment
    $52,800
    Cash to close
    $60,720
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,066a month

    Down payment
    $39,600
    Cash to close
    $47,520
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Orange City and for Sioux County.

Property tax

Effective rate in Orange City

1.28%of the home’s value each year

$3,387 a year for the typical owner in Orange City.

  • Orange City 1.28%
  • Sioux 1.12%
  • Iowa 1.39%

What Iowa publishes Homestead exemption: 10% of taxable value (Iowa Department of Revenue)

Exemptions and deadlines in Iowa

Flood risk in Sioux County

FEMA does not publish these numbers by city: they are for all of Sioux County.

FEMA’s maps count no homes in the high-risk zone in Sioux County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Orange City

Typical rent in Orange City is $789 a month: 13% below the county. In Orange City, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sioux County, by unit size. To pay the 2-bedroom one ($1,000 a month) without spending more than 30% of your income, you would need to earn $19.23 an hour working full time.

HUD fair market rent for all of Sioux County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $741 $14.25 $29,640
1 bedroom $764 $14.69 $30,560
2 bedrooms $1,000 $19.23 $40,000
3 bedrooms $1,279 $24.60 $51,160
4 bedrooms $1,361 $26.17 $54,440

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Orange City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Orange City is in ZIP code 51041.

For 2 bedrooms it is $930: $70 less than the fair market rent for Sioux County ($1,000).

  • 51041 $930$1,190

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Orange City when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Orange City

HUD lists 2 buildings with rents for lower incomes in Orange City. These are the largest.

  • Crown Colony Apartments 108 Kansas Ave NW, Orange City 51041 16 low-income homes · For older adults (712) 737-8638
  • Prairie Heights 802 14th St SE, Orange City 51041 14 low-income homes · 3 bd: 8 · 4 bd: 6 · In service since 2015 · For families

See all 8 buildings in Sioux County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Orange City

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Sioux County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Orange City

No down payment, repair or rent-help program on our list is for Orange City or Sioux County. The ones below are statewide in Iowa: they work in Orange City the same as in the rest of the state.

Which programs do I qualify for? All programs in Iowa

Housing counselors near Orange City

The HUD-approved agencies closest to the center of Orange City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Center for Siouxland

    715 Douglas St, Sioux City · 39 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    (712) 252-1861

  • Home Opportunities Made Easy, Inc. (home, Inc.)

    1618 6th Ave, Des Moines · 157 miles away · Spanish

    • Home improvement and repairs
    • Homelessness services
    • and 5 more
    (515) 243-1277

  • Greater Des Moines Habitat for Humanity

    95 University Ave, Des Moines · 158 miles away

    • Pre-purchase counseling
    (515) 471-8686

All counseling agencies in Iowa

Help in Spanish near Orange City

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Orange City

In HUD’s record, no housing authority with an office in Sioux County is named for Orange City or Sioux County.

One other authority has an office in Sioux County: see the list Source: HUD

Cities

Other cities in Sioux County

These cities are also in Sioux County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Sioux County Housing in Iowa

Nearby cities

The cities closest to Orange City, with the typical home value.

Neighboring counties

If Sioux County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Orange City.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Orange City

Short answers with the numbers for Orange City and all of Sioux County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Orange City?

The typical home value in Orange City is $264,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sioux County it is $250,100.

How much does it cost to rent in Orange City?

Typical rent in Orange City is $789 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sioux County is $1,000.

What is the FHA loan limit in Orange City?

Orange City uses the FHA limit for all of Sioux County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Orange City?

The typical homeowner in Orange City pays $3,387 a year, according to the U.S. Census Bureau. That is 1.28% of the home’s value; in Sioux County, the rate is 1.12%.

Where can I find free help to buy or rent in Orange City?

We found no HUD-approved counseling agencies with an office in Sioux County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).