MonitorBankRates
☰
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

Sac City, IA Housing Affordability Index

Sac City, Iowa has an MBR Housing Affordability Index score of 145.1 (Highly Affordable) as of October 30, 2026, ranking 662nd most affordable of 891 scored Iowa cities, compared with 126.4 statewide and 97.4 nationally. On a median-priced $136,000 home with 20% down, the Iowa average 30-year fixed rate of 7.17% means a monthly principal and interest payment of about $736, or 15% of the city’s $57,139 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Sac City 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.

Sac City MBR-HAI 145.1 Highly Affordable
Rank in Iowa 662 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 $136,000 U.S. Census Bureau

Sac City is 18.8 points above the Iowa score. Scores as of October 30, 2026. See the Iowa index

View Sac City Mortgage Rates

What It Takes to Buy in Sac City

$736/mo
Principal & Interest
Median home, 20% down, 7.17%
$31,600
Income Needed
To keep the payment at 28% of income
$57,139
Median Household Income
Iowa: $75,059
2.4x
Price-to-Income Ratio
Iowa: 2.8x
$675/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,830/yr
Median Property Tax
1.35% of median value
17.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
51.5%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Sac City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Sac City, Iowa score: 145.1 (Highly Affordable), ranked 662 of 891 Iowa cities. monitorbankrates.com/housing-affordability-index/iowa/sac-city”