In Sioux City, a typical home is worth $173,600 and typical rent is $976 a month. Compared with all of Woodbury County, typical household income is 6% lower and the typical home value is 5% lower.
Typical home value from Zillow, September 2021 to September 2026: from $161,150 to $200,738.
Typical rent
$1,267a month
▲ 5.3% more than 12 months ago
Typical rent from Zillow, June 2023 to September 2026: from $1,097 to $1,267.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sioux City is in Woodbury 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 Woodbury County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cherokee, the typical rent is $728: 25% less than in Sioux City ($976).
2
Nearby, in Cherokee, the typical home value is $136,700: 21% less than in Sioux City ($173,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sioux City
What homes there are in Sioux 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Sioux City
Woodbury County
Iowa
United States
Kind of home: Sioux City and its comparisons
Measure
Sioux City
Woodbury County
Iowa
United States
Detached house
70%
72%
72%
61%
Attached house
4%
5%
5%
6%
Building of 2 to 4
6%
5%
6%
8%
Apartments (5 or more)
16%
14%
14%
19%
Mobile home
3%
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Woodbury County, most homes in Sioux City are detached houses (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sioux City
Woodbury County
Iowa
United States
Year built: Sioux City and its comparisons
Measure
Sioux City
Woodbury County
Iowa
United States
Before 1960
54%
51%
38%
26%
1960–1979
24%
23%
24%
24%
1980–1999
13%
14%
17%
25%
2000–2009
4%
6%
11%
14%
2010 or later
5%
6%
11%
11%
In Sioux City, half of the homes were built before 1957; in Woodbury County, before 1959.
By size, homes in Sioux City look like those in Woodbury County: 55% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K18%
$100K–$200K44%
$200K–$300K25%
$300K–$500K11%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sioux City and its comparisons
Measure
Sioux City
Under $100K
18%
$100K–$200K
44%
$200K–$300K
25%
$300K–$500K
11%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in Sioux City sit under the FHA limit for Woodbury County ($541,287): about 97%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99943%
$1,000–$1,49936%
HUD fair market rent, 2 bedrooms: $1,194
$1,500–$1,9998%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sioux City and its comparisons
Measure
Sioux City
Under $500
10%
$500–$999
43%
$1,000–$1,499
36%
$1,500–$1,999
8%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Woodbury County is $1,194; about 67% of rents in Sioux City are below it.
With a mortgage
$1,383 a month
Woodbury County: $1,428 a month
Without a mortgage
$528 a month
Woodbury County: $545 a month
Owners with a mortgage
59%
Woodbury County: 57%
Owning costs about the same in Sioux City as in Woodbury County: with a mortgage, $1,383 a month; without one, $528.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sioux City+49%
Woodbury County+49%
Iowa+41%
United States+53%
Typical rent
Sioux City+25%
Woodbury County+25%
Iowa+23%
United States+33%
Typical household income
Sioux City+24%
Woodbury County+24%
Iowa+24%
United States+29%
Change since 2015–2019: Sioux City and its comparisons
Measure
Sioux City
Woodbury County
Iowa
United States
Typical home value
+49%
+49%
+41%
+53%
Typical rent
+25%
+25%
+23%
+33%
Typical household income
+24%
+24%
+24%
+29%
Much as in Woodbury County, the typical home value in Sioux City rose 49% since 2015–2019.
The typical rent in Sioux City rose 25% since 2015–2019, about the same as in Woodbury County (25%).
While home values in Sioux City changed +49% and rent +25%, the typical household income rose 24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sioux City and its comparisons
Measure
Sioux City
Woodbury County
Iowa
United States
Rental vacancy
4.3%
5.1%
5.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
3.2%
2.8%
1.6%
3.4%
People per household
2.53
2.54
2.36
2.53
Drive alone
80%
80%
76%
69%
Carpool
12%
11%
8%
9%
Public transit
1%
1%
1%
3%
Walk or bike
2%
2%
3%
3%
Work from home
5%
6%
11%
15%
Other means
1%
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
In Sioux City, the rental vacancy rate is 4.3%, about the same as in Woodbury County.
In Sioux City, 3.2% of households live with more than one person per room, about the same as in Woodbury County.
By size, households in Sioux City look like those in Woodbury County: 2.53 people on average.
To get to work, 80% of workers in Sioux City drive alone; in Woodbury County, 80%.
Do the math
What would you pay each month for a home in Sioux City?
A typical home is within reach of the typical income
We start with a typical home in Sioux City, worth $173,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Sioux City, which is $68,906 a year.
The calculator's FHA and conventional loan limits are those of all of Woodbury 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 City. 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 $6,076 (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
$1,527
at 7.18% · 30 years
Loan amount
$170,456
Total interest
$245,246
Paid off in
November 2056
Includes $2,932 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,608 a month
Your payment · 27%
Tight
$1,608 to $2,067 a month
Hard
more than $2,067 a month
Compared with the typical household income in Sioux City ($68,906 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,155
Property tax
$223
Home insurance
$72
FHA mortgage insurance (MIP)
$77
You need at least $6,076 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 $1,527; principal and interest $1,155.
The city and its county
Sioux City and Woodbury County
Sioux City is in Woodbury 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 City
Map of Woodbury County, Iowa, with Sioux City marked. Around it, the neighboring counties.
Sioux City
Woodbury County
Other cities with a page
Sioux City's own numbers
Typical home value
$173,600
Typical monthly rent
$976
Typical yearly household income
$68,906
Households that own their home
65%
Effective property tax rate
1.54%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Woodbury County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,194
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.5%
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 Woodbury County.
A typical home in Sioux City is worth $173,600: 5% below the county and 17% below Iowa. With the typical household income in Sioux City ($68,906 a year), a typical home costs 2.5 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 City2.5 years
Woodbury2.5 years
Iowa2.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Woodbury County
According to FHFA’s house price index, home prices in Woodbury County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Woodbury County.
Yearly change in FHFA’s price index in Woodbury County, 2016 to 2025
2016: +5.4% +5.4% 2016
2017: +4.6% +4.6% 2017
2018: +5.4% +5.4% 2018
2019: +4.2% +4.2% 2019
2020: +3.0% +3.0% 2020
2021: +9.6% +9.6% 2021
2022: +14.4% +14.4% 2022
2023: +6.6% +6.6% 2023
2024: +5.6% +5.6% 2024
2025: +3.6% +3.6% 2025
Change in FHFA’s price index in Woodbury County, Iowa and the United States
Period
County
Iowa
U.S.
Last year (2025)
+3.6%
+3.2%
+2.9%
5 years (2020–2025)
+46%
+41%
+47%
10 years (2015–2025)
+82%
+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 City next to Woodbury 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 City$173,600
Woodbury$183,200
Iowa$208,000
United States$332,700
Typical monthly rent
Sioux City$976
Woodbury$981
Iowa$972
United States$1,413
Typical yearly household income
Sioux City$68,906
Woodbury$73,658
Iowa$75,059
United States$80,734
See the full table
Sioux City next to Woodbury County and Iowa
Measure
Sioux City
Woodbury County
Iowa
U.S.
Typical home value
$173,600 ▼5% below the county
$183,200
$208,000
$332,700
Typical monthly rent
$976
$981
$972
$1,413
Typical yearly household income
$68,906 ▼6% below the county
$73,658
$75,059
$80,734
Households that own their home
65% ▼3 points below the county
68%
72%
65%
Typical yearly property tax
$2,668
$2,656
$2,897
$3,119
Effective property tax rate
1.54% ▲0.09 points above the county
1.45%
1.39%
0.94%
Renters with high rent for their income
43% ▲1 points above the county
42%
44%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Woodbury 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 City
For a typical $173,600 home in Sioux City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sioux City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,527a month
Least cash to close
Down payment
$6,076
Cash to close
$11,284
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,495a month
Down payment
$8,680
Cash to close
$13,888
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,236a month
Down payment
$34,720
Cash to close
$39,928
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,396a month
Down payment
$26,040
Cash to close
$31,248
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sioux City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,527
$6,076
$170,456
7.18%
FHA MIP · $77
$11,284
580
Conventional, 5% down
$1,495
$8,680
$164,920
7.18%
PMI · $82
$13,888
620*
Conventional, 20% down, no PMI
$1,236
$34,720
$138,880
7.18%
None
$39,928
620*
ITIN, 15% down (example)
$1,396
$26,040
$147,560
8.18%
None
$31,248
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.
Typical rent in Sioux City is $976 a month: about the same as the county. In Sioux City, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Woodbury County, by unit size. To pay the 2-bedroom one ($1,194 a month) without spending more than 30% of your income, you would need to earn $22.96 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 Woodbury County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$831
$15.98
$33,240
1 bedroom
$965
$18.56
$38,600
2 bedrooms
$1,194
$22.96
$47,760
3 bedrooms
$1,447
$27.83
$57,880
4 bedrooms
$1,618
$31.12
$64,720
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 City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sioux City has 6 ZIP codes with their own.
For 2 bedrooms it runs from $1,040 in 51101 to $1,290 in 51106.
2 of the 6 are above the fair market rent for Woodbury County ($1,194).
2-bedroom fair market rent in each of the 6 ZIP codes of Sioux City, beside the one for Woodbury County. For 2 bedrooms it runs from $1,040 in 51101 to $1,290 in 51106. 2 of the 6 are above the fair market rent for Woodbury County ($1,194).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,194
Lowest: $1,040 (51101)Highest: $1,290 (51106)
Fair market rent by ZIP code and size in Sioux City, fiscal year 2027.
51101
$720
$840
$1,040
$1,250
$1,380
51103
$810
$940
$1,160
$1,410
$1,570
51104
$810
$940
$1,160
$1,410
$1,570
51105
$720
$840
$1,040
$1,250
$1,380
51106
$900
$1,040
$1,290
$1,560
$1,750
51111
$860
$990
$1,230
$1,490
$1,670
ZIP code2 bd3 bd
51101 $1,040$1,250
51103 $1,160$1,410
51104 $1,160$1,410
51105 $1,040$1,250
51106 $1,290$1,560
51111 $1,230$1,490
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 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 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)
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.
There is 1 HUD-approved agency with an office in Woodbury County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Sioux City or Woodbury County. The ones below are statewide in Iowa: they work in Sioux City 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).
No legal help resource on our list is for Sioux City or Woodbury 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 City and all of Woodbury 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 City?
The typical home value in Sioux City is $173,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Woodbury County it is $183,200.
How much does it cost to rent in Sioux City?
Typical rent in Sioux City is $976 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Woodbury County is $1,194.
What is the FHA loan limit in Sioux City?
Sioux City uses the FHA limit for all of Woodbury 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 City?
The typical homeowner in Sioux City pays $2,668 a year, according to the U.S. Census Bureau. That is 1.54% of the home’s value; in Woodbury County, the rate is 1.45%.
Where can I find free help to buy or rent in Sioux City?
There is 1 HUD-approved counseling agency with an office in Woodbury County. They can help you get ready to buy, with your credit, or with rent.
