Sioux City, IA home prices
Typical home $224,094 · +3.4% in a year · income needed $68,100
The Sioux City, IA metro area ranks 553 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.4% in a year and +25.7% over five years. With 20% down at 7.11%, the typical home costs about $1,589 a month including 1.45% property tax (Woodbury County rate).
Mortgage on the typical Sioux City home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $44,819 | $179,275 | $1,206 | $0 | $383 | $1,589 | $68,100 |
| 10% down | $22,409 | $201,685 | $1,357 | $84 | $383 | $1,824 | $78,200 |
| 5% down | $11,205 | $212,890 | $1,432 | $89 | $383 | $1,904 | $81,600 |
| 3.5% down (FHA) | $7,843 | $220,035 | $1,480 | $99 | $383 | $1,962 | $84,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.45% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Sioux City area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Woodbury County, IA | $207,499 | +2.8% | 1.45% |
| Dakota County, NE | $245,248 | +5.7% | 1.54% |
| Union County, SD | $355,956 | +2.7% | 1.1% |
| Dixon County, NE | $199,125 | +9.3% | 1.2% |
What can you afford in Iowa on your salary? · Iowa home prices · Salaries in Iowa
Frequently asked questions
How much is a house in Sioux City?
The typical home in the Sioux City, IA metro area is worth $224,094 (Zillow, September 2026).
What salary do you need to buy a house in Sioux City?
About $68,100 a year for the typical home with 20% down at 7.11%.