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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Osterdock, IA Housing Affordability Index

Osterdock, Iowa has an MBR Housing Affordability Index score of 168.7 (Highly Affordable) as of October 30, 2026, ranking 462nd most affordable of 891 scored Iowa cities, compared with 126.4 statewide and 97.4 nationally. On a median-priced $87,000 home with 20% down, the Iowa average 30-year fixed rate of 7.17% means a monthly principal and interest payment of about $471, or 11% of the city’s $51,467 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Osterdock is updated every night from live Iowa mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Osterdock MBR-HAI 168.7 Highly Affordable
Rank in Iowa 462 of 891 1 = most affordable
Iowa 126.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.17% Iowa lenders
Median home value $87,000 U.S. Census Bureau

Osterdock is 42.3 points above the Iowa score. Scores as of October 30, 2026. See the Iowa index

View Osterdock Mortgage Rates

What It Takes to Buy in Osterdock

$471/mo
Principal & Interest
Median home, 20% down, 7.17%
$20,200
Income Needed
To keep the payment at 28% of income
$51,467
Median Household Income
Iowa: $75,059
1.7x
Price-to-Income Ratio
Iowa: 2.8x
$571/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,726/yr
Median Property Tax
Iowa figure
20.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
100.0%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Osterdock, Iowa. The rate is the Iowa average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Osterdock Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Osterdock, Iowa score: 168.7 (Highly Affordable), ranked 462 of 891 Iowa cities. monitorbankrates.com/housing-affordability-index/iowa/osterdock”