In Sioux Center, a typical home is worth $290,800. Compared with all of Sioux County, the typical home value is 16% higher and typical household income is 8% higher.
Typical home value from Zillow, September 2021 to September 2026: from $281,576 to $348,483.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sioux Center 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
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: 53% less than in Sioux Center ($290,800).
2
Sioux Center has the 4th smallest share of rent-burdened renters of the 81 cities in Iowa with more than 5,000 people (29%).
3
The typical home in Sioux Center is worth $290,800,16% more than in Sioux County as a whole ($250,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sioux Center
What homes there are in Sioux Center, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Sioux Center
Sioux County
Iowa
United States
Kind of home: Sioux Center and its comparisons
Measure
Sioux Center
Sioux County
Iowa
United States
Detached house
72%
80%
72%
61%
Attached house
9%
4%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
6%
8%
Apartments (5 or more)
Unreliable estimate
9%
14%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Sioux Center, but it weighs less than in Sioux County: 72% against 80%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sioux Center
Sioux County
Iowa
United States
Year built: Sioux Center and its comparisons
Measure
Sioux Center
Sioux County
Iowa
United States
Before 1960
18%
33%
38%
26%
1960–1979
34%
30%
24%
24%
1980–1999
15%
16%
17%
25%
2000–2009
13%
11%
11%
14%
2010 or later
20%
11%
11%
11%
Much as in Sioux County, 72% of homes in Sioux Center have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K13%
$200K–$300K32%
$300K–$500K39%
$500K–$750K7%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sioux Center and its comparisons
Measure
Sioux Center
Under $100K
Unreliable estimate
$100K–$200K
13%
$200K–$300K
32%
$300K–$500K
39%
$500K–$750K
7%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99959%
$1,000–$1,49921%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sioux Center and its comparisons
Measure
Sioux Center
Under $500
Unreliable estimate
$500–$999
59%
$1,000–$1,499
21%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,740 a month
Sioux County: $1,654 a month
Without a mortgage
$755 a month
Sioux County: $613 a month
Owners with a mortgage
64%
Sioux County: 55%
The typical cost for an owner with a mortgage in Sioux Center is $1,740 a month, more than in Sioux County ($1,654); without one, $755.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sioux Center+39%
Sioux County+49%
Iowa+41%
United States+53%
Typical household income
Sioux CenterNo clear change
Sioux County+23%
Iowa+24%
United States+29%
Change since 2015–2019: Sioux Center and its comparisons
Measure
Sioux Center
Sioux County
Iowa
United States
Typical home value
+39%
+49%
+41%
+53%
Typical rent
No data
+25%
+23%
+33%
Typical household income
No clear change
+23%
+24%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sioux Center rose 39%; in Sioux County, it rose 49%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sioux Center and its comparisons
Measure
Sioux Center
Sioux County
Iowa
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
5.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.6%
3.4%
People per household
2.57
2.67
2.36
2.53
Drive alone
80%
76%
76%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
5%
4%
3%
3%
Work from home
12%
13%
11%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
under 10 minutes
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
By size, households in Sioux Center look like those in Sioux County: 2.57 people on average.
The car rules in Sioux Center: 80% of workers drive to work alone, and the typical trip takes under 10 minutes.
Do the math
What would you pay each month for a home in Sioux Center?
A typical home is tight for the typical income
We start with a typical home in Sioux Center, worth $290,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Sioux Center, which is $92,983 a year. For that payment to be 28% of income, a household would need to earn about $107,728 a year.
The calculator's FHA and conventional loan limits are those of all of Sioux County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Sioux Center. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,178 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,514
at 7.18% · 30 years
Loan amount
$285,533
Total interest
$410,815
Paid off in
November 2056
Includes $4,911 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,170 a month
Tight
$2,170 to $2,789 a month
Your payment · 32%
Hard
more than $2,789 a month
Compared with the typical household income in Sioux Center ($92,983 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,934
Property tax
$330
Home insurance
$121
FHA mortgage insurance (MIP)
$129
You need at least $10,178 for the down payment, plus closing costs.
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.
Total monthly payment $2,514; principal and interest $1,934.
The city and its county
Sioux Center and Sioux County
Sioux Center 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).
Sioux Center
Map of Sioux County, Iowa, with Sioux Center marked. Around it, the neighboring counties.
Sioux Center
Sioux County
Other cities with a page
Sioux Center's own numbers
Typical home value
$290,800
Typical yearly household income
$92,983
Households that own their home
75%
Effective property tax rate
1.36%
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.
A typical home in Sioux Center is worth $290,800: 16% above the county and 40% above Iowa. With the typical household income in Sioux Center ($92,983 a year), a typical home costs 3.1 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.
Sioux Center3.1 years
Sioux2.9 years
Iowa2.8 years
United States4.1 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.
Yearly change in FHFA’s price index in Sioux County, 2016 to 2025
2016: +6.7% +6.7% 2016
2017: +5.1% +5.1% 2017
2018: +3.2% +3.2% 2018
2019: +4.6% +4.6% 2019
2020: +1.7% +1.7% 2020
2021: +7.2% +7.2% 2021
2022: +10.8% +10.8% 2022
2023: +10.1% +10.1% 2023
2024: +7.5% +7.5% 2024
2025: +6.1% +6.1% 2025
Change in FHFA’s price index in Sioux County, Iowa and the United States
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
Sioux Center 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
Sioux Center$290,800
Sioux$250,100
Iowa$208,000
United States$332,700
Typical yearly household income
Sioux Center$92,983
Sioux$86,098
Iowa$75,059
United States$80,734
See the full table
Sioux Center next to Sioux County and Iowa
Measure
Sioux Center
Sioux County
Iowa
U.S.
Typical home value
$290,800 ▲16% above the county
$250,100
$208,000
$332,700
Typical yearly household income
$92,983 ▲8% above the county
$86,098
$75,059
$80,734
Households that own their home
75% ▼1 points below the county
76%
72%
65%
Typical yearly property tax
$3,954 ▲41% above the county
$2,801
$2,897
$3,119
Effective property tax rate
1.36% ▲0.24 points above the county
1.12%
1.39%
0.94%
Renters with high rent for their income
29% ▼1 points below the county
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 Sioux Center
For a typical $290,800 home in Sioux Center, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sioux Center's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,514a month
Least cash to close
Down payment
$10,178
Cash to close
$18,902
Rate
7.18%
Mortgage insurance
FHA MIP · $129
Conventional, 5% down$2,460a month
Down payment
$14,540
Cash to close
$23,264
Rate
7.18%
Mortgage insurance
PMI · $138
Conventional, 20% down, no PMI$2,027a month
Down payment
$58,160
Cash to close
$66,884
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,296a month
Down payment
$43,620
Cash to close
$52,344
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sioux Center
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,514
$10,178
$285,533
7.18%
FHA MIP · $129
$18,902
580
Conventional, 5% down
$2,460
$14,540
$276,260
7.18%
PMI · $138
$23,264
620*
Conventional, 20% down, no PMI
$2,027
$58,160
$232,640
7.18%
None
$66,884
620*
ITIN, 15% down (example)
$2,296
$43,620
$247,180
8.18%
None
$52,344
Set by the lender
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.
The Census Bureau publishes no typical rent for Sioux Center. Below are the fair market rents for Sioux County. In Sioux Center, 29% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sioux County (Fiscal year 2027)
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 Sioux Center
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sioux Center is in ZIP code 51250.
For 2 bedrooms it is $1,010: $10 more than the fair market rent for Sioux County ($1,000).
Fair market rent by ZIP code and size in Sioux Center, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
51250
$750
$770
$1,010
$1,290
$1,370
ZIP code2 bd3 bd
51250 $1,010$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sioux Center 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 2 buildings with rents for lower incomes in Sioux Center. These are the largest.
New Homestead241 N Meadow Dr, Sioux Center 5125077 homes, 71 low-income · Run by Low Rent Housing Agency Of Sioux Center · Average payment: $587 a month · Average wait: 1 month(712) 722-2237
Valley Apartments537 5th St NW, Sioux Center 5125012 low-income homes · For people with disabilities(712) 722-1755
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.
No down payment, repair or rent-help program on our list is for Sioux Center or Sioux County. The ones below are statewide in Iowa: they work in Sioux Center the same as in the rest of the state.
With the Iowa state authority's FirstHome mortgage, a first-time buyer can get a second loan of up to 3% of the price (maximum $10,000) or up to 5% (maximum $15,000), with no monthly payments, repaid when you sell, refinance or pay off the mortgage.Offered by Iowa Finance Authority (IFA).
Iowa state authority second loan, with the Homes for Iowans mortgage, of up to 3% of the price (maximum $10,000) or 5% (maximum $15,000) for the down payment and closing costs; no monthly payments, and for any buyer.Offered by Iowa Finance Authority (IFA).
The HUD-approved agencies closest to the center of Sioux Center, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Sioux Center or Sioux County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Sioux Center 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 Sioux Center?
The typical home value in Sioux Center is $290,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sioux County it is $250,100.
What is the FHA loan limit in Sioux Center?
Sioux Center 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 Sioux Center?
The typical homeowner in Sioux Center pays $3,954 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Sioux County, the rate is 1.12%.
Where can I find free help to buy or rent in Sioux Center?
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.
