The typical owner-occupied home in Oyens is worth about $155,000, 25% below the Iowa median of $208,000 and 53% below the national median of $332,700. Owners pay a median $1,050 a year in property taxes, about 0.68% of their home's value, lower than the Iowa rate of 1.39%. The median household earns $100,625 a year, so the median home costs 1.5 times the median income (2.8 times for Iowa). 90% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Oyens at a glance
| Oyens | Iowa | U.S. | |
|---|---|---|---|
| Median home value | $155,000 | $208,000 | $332,700 |
| Median property tax paid per year | $1,050 | $2,897 | $3,119 |
| Property tax as a share of value | 0.68% | 1.39% | 0.94% |
| Median household income | $100,625 | $75,059 | $80,734 |
| Homes lived in by their owners | 90% | 72% | 65% |
| Owner homes with a mortgage | 68% | 59% | 61% |
| Median monthly costs, owners with a mortgage | $883 | $1,533 | $1,963 |
| Those costs as a share of the owners' income | 9.0% | 18.7% | 21.0% |
| Median rent | – | $972 | $1,413 |
| Median year homes were built | 1953 | 1972 | 1980 |
| Vacant homes | 0.0% | 8.5% | 10.1% |
| Population | 81 | 3,210,507 | 334,922,499 |
What a typical home costs per month in Oyens
At this week's average 30-year rate of 7.11%, buying the median Oyens home of $155,000 with 20% down costs about $987 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,245, 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 $42,282 for the 20%-down payment. That payment is 12% of the median Oyens household income of $100,625; at that income and 20% down, the 28% guideline points to a home of about $369,000.
| Down payment | $31,000 |
|---|---|
| Loan amount | $124,000 |
| Principal and interest | $834 |
| Property taxes (0.68% a year) | $88 |
| Homeowners insurance (our estimate, 0.5% a year) | $65 |
| PMI | $0 |
| Total per month | $987 |
Change the numbers in the calculator
| Down payment | $5,425 |
|---|---|
| Loan amount | $152,193 |
| Principal and interest | $1,024 |
| Property taxes (0.68% a year) | $88 |
| Homeowners insurance (our estimate, 0.5% a year) | $65 |
| FHA mortgage insurance | $69 |
| Total per month | $1,245 |
Change the numbers in the calculator
Questions about home buying in Oyens
What is the median home value in Oyens?
About $155,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oyens?
Homeowners pay a median $1,050 a year, which is about 0.68% 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 Oyens?
For the median home with 20% down at 7.11%, the payment is about $987 a month. Keeping that under 28% of gross income takes about $42,282 a year.
More about Oyens
- Mortgage Refinance in Oyens
- Debt Relief in Oyens
- Home Equity Loans in Oyens
- 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