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Oto 51044

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Iowa
$40K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
2
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$101K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Jul 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20162017201820192020202220242026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20162017201820192020202220242026
Price per square footThe middle price per square foot, for sales where the size is known. It adjusts for homes being different sizes.$/ft²
20162017201820192020202220242026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20162017201820192020202220242026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20162017201820192020202220242026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20162017201820192020202220242026
Sellers who sold at a gainThe share of sellers each month who sold for more than they originally paid.Sold at gain
20162017201820192020202220242026
Typical hold before sellingThe middle number of years sellers owned their home before selling.Median hold
20162017201820192020202220242026
Median annualized return at resaleThe middle yearly gain sellers earned, spread across the years they owned the home. Only counts homes held at least a year.Annualized gain
20162017201820192020202220242026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
201720252026

Housing Stock

HomesHow many homes we have records for in this area.114
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$101K
Median sizeThe middle home size here, measured in square feet.1,456 ft²
Median bedroomsThe middle bedroom count for homes here.3
Median year builtThe middle build year for homes here. A recent year means most housing is newer.1927
Single familyThe share of homes here that are single-family houses.66%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.71%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.11%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.71%
Company ownedThe share of homes owned by a company or trust instead of a person.19%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.0%
Typical ownership tenureHow long the typical owner here has held their home.126.7 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.171
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.87
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.21

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.86%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.7.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.311
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.8 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$69K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$86K
Average tempThe average temperature here across a full year.48°F
Annual precipHow much rain and melted snow falls here in a typical year.30 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Oto 51044 compares

By median home value, Oto 51044 is the 20th most expensive of 21 ZIP codes in Woodbury County, and its typical home is worth more than 13% of all homes in Woodbury County.

Home values in Oto 51044

Share of homes at each estimated value.

Median
$25K$322K
ZIP codes in Woodbury County ranked by median home value
#Woodbury CountyMedian valueHomes
1Sergeant Bluff 51054$342K1,853
2Lawton 51030$325K684
3Sioux City 51108$263K1,990
4Moville 51039$261K1,045
5Bronson 51007$249K279
6Sioux City 51104$229K7,027
7Sioux City 51106$217K9,832
8Sloan 51055$204K608
9Salix 51052$189K447
10Hornick 51026$186K364
11Sioux City 51101$172K200
12Sioux City 51109$158K1,251
13Sioux City 51103$140K5,348
14Danbury 51019$129K351
15Correctionville 51016$125K659
16Anthon 51004$121K505
17Sioux City 51105$118K2,256
18Pierson 51048$113K281
19Smithland 51056$102K238
20Oto 51044$101K114
21Cushing 51018$93K186

About the Oto 51044 market

What is the median home price in Oto 51044, IA?

The median sale price in Oto 51044, IA is $40,000 (data through July 2026), based on deeds recorded with the county.

How many homes sell in Oto 51044, IA each year?

2 homes sold in Oto 51044, IA over the last 12 months (data through July 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Oto 51044, IA?

Oto 51044, IA contains 114 residential properties, with a median of 1,456 square feet, 3 bedrooms, built around 1927. The median TopHap Estimate is $101K.

How does Oto 51044, IA compare to the rest of Woodbury County?

By median home value, Oto 51044, IA is the 20th most expensive of 21 ZIP codes in Woodbury County. Its typical home is worth more than 13% of all homes in Woodbury County. Smithland 51056 ranks just above it and Cushing 51018 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Oto 51044, IA?

71% of homes in Oto 51044, IA are owner-occupied. 19% are held by a company rather than an individual.

How much equity do owners in Oto 51044, IA hold?

71% of mortgaged homes in Oto 51044, IA are equity-rich, meaning the loan balance is under half the home's value. 10.6% owe more than the home is worth.

Nearby markets

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