The typical owner-occupied home in Saint Ansgar is worth about $152,500, 27% below the Iowa median of $208,000 and 54% below the national median of $332,700. Owners pay a median $1,993 a year in property taxes, about 1.31% of their home's value, lower than the Iowa rate of 1.39%. The median household earns $76,458 a year, so the median home costs 2.0 times the median income (2.8 times for Iowa). 82% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Saint Ansgar at a glance
| Saint Ansgar | Iowa | U.S. | |
|---|---|---|---|
| Median home value | $152,500 | $208,000 | $332,700 |
| Median property tax paid per year | $1,993 | $2,897 | $3,119 |
| Property tax as a share of value | 1.31% | 1.39% | 0.94% |
| Median household income | $76,458 | $75,059 | $80,734 |
| Homes lived in by their owners | 82% | 72% | 65% |
| Owner homes with a mortgage | 60% | 59% | 61% |
| Median monthly costs, owners with a mortgage | $1,344 | $1,533 | $1,963 |
| Those costs as a share of the owners' income | 15.1% | 18.7% | 21.0% |
| Median rent | $912 | $972 | $1,413 |
| Rent as a share of renters' income | 27.1% | 27.4% | 30.6% |
| Median year homes were built | 1953 | 1972 | 1980 |
| Vacant homes | 6.0% | 8.5% | 10.1% |
| Population | 1,206 | 3,210,507 | 334,922,499 |
What a typical home costs per month in Saint Ansgar
At this week's average 30-year rate of 7.11%, buying the median Saint Ansgar home of $152,500 with 20% down costs about $1,051 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,305, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $45,031 for the 20%-down payment. That payment is 16% of the median Saint Ansgar household income of $76,458; at that income and 20% down, the 28% guideline points to a home of about $259,000.
The median rent here is $912 a month, so owning the median home costs about $139 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,500 |
|---|---|
| Loan amount | $122,000 |
| Principal and interest | $821 |
| Property taxes (1.31% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| PMI | $0 |
| Total per month | $1,051 |
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| Down payment | $5,338 |
|---|---|
| Loan amount | $149,738 |
| Principal and interest | $1,007 |
| Property taxes (1.31% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $64 |
| FHA mortgage insurance | $67 |
| Total per month | $1,305 |
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Questions about home buying in Saint Ansgar
What is the median home value in Saint Ansgar?
About $152,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Ansgar?
Homeowners pay a median $1,993 a year, which is about 1.31% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Ansgar?
For the median home with 20% down at 7.11%, the payment is about $1,051 a month. Keeping that under 28% of gross income takes about $45,031 a year.
More about Saint Ansgar
- Mortgage Refinance in Saint Ansgar
- Debt Relief in Saint Ansgar
- Home Equity Loans in Saint Ansgar
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data