Compare Sioux City, IA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Sioux City.
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August 2, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Sioux City. Understand how much you need to earn to afford a home in Sioux City, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Sioux City fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Sioux City is right for you.
The median home value for Sioux City, IA (Woodbury County) is $179,318
Based on current mortgage rates and a 10% down payment, you need to make $37,409 per year to buy the median priced home in Sioux City
With this income, you could qualify for a $161,386 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Sioux City is $866
The median household income for Sioux City, IA (Woodbury County) is $60,243
Based on this income, you can afford a home valued at approximately $288,774
The home price you can afford to buy based on household income in Sioux City is 161% of the median home value which means housing prices are average. Sioux City (Woodbury County) ranks 89 out of 99 counties in Iowa and 1,600 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Sioux City, IA is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Sioux City (Woodbury County) below.
Conforming loan limits for Sioux City, IA
FHA loan limits for Sioux City, IA