What it's like to live in Mason City

Mason City is a small city in Iowa with rent below the national average, home prices that remain within reach, unemployment below the national average, and commutes that run shorter than most cities. Those factors carry real weight for anyone weighing where to move next.

The tradeoffs are worth naming plainly. Mason City deals with household incomes below the national average, college degree attainment below the national average, cold, harsh winters, and snowy winters.

The good

  • Rent below the national average
  • Affordable home prices
  • Low unemployment
  • Short commutes
  • Low student-teacher ratio

The not so good

  • Below-average household incomes
  • Low college degree attainment
  • Cold, harsh winters
  • Snowy winters — 44" per year
  • Smaller place — fewer dining and entertainment options
  • Car-dependent — few commuters use transit

How Mason City compares

Median household income

Mason City$64,804
Iowa avg$75,059
US$80,734

Median rent (per month)

Mason City$882
Iowa avg$972
US$1,413

Median home value

Mason City$142,000
Iowa avg$208,000
US$332,700

What it takes to move to Mason City

Based on Mason City's median rent, home value and household income

To rent

$1,764

up front: first month plus a typical one-month deposit

  • Income to keep rent under 30%: $35,280 a year
  • 34% of Mason City renters spend 30% or more of their income on rent

To buy

$28,400

a 20% down payment on the median home

  • With 10% down: $14,200
  • Homes cost 2.2× the typical local household income (US: 4.1×)

Moving costs, closing costs and taxes not included.

The details

Cost of living▼ 38% below US

$882/mo median rent

Rent here is genuinely low, with median rent around $882 a month. Factoring in local incomes, the value gets even better. Money stretches further here than in most of the country. Home prices here are genuinely accessible, with a median around $142,000. That kind of affordability is rare in today's market.

Median home value $142,000 · 34% of renters cost-burdened

Job market▼ 21% below US

3.4% unemployment

Unemployment here is 3.4%, a little below the national average of 4.3%.

City-level (BLS)

SafetyNear US average

354 violent crimes per 100k

Crime runs about typical for a city this size. Some neighborhoods are safer than others, and one overall rate doesn't tell the whole story, so a neighborhood-level look matters more than the headline stat.

Property crime 2580/100k · Mason City Police Department · 2025 data

Getting around▼ 48% below US

14 min average commute

Commutes run short here, averaging 13.5 minutes. That's an underrated perk of living in a smaller or well-planned city, where time isn't lost sitting in traffic. 9 in 10 workers drive to work.

How workers get to work

Drive alone
81%
Carpool
8.6%
Work from home
4.3%
Walk
4.2%
Other
1.1%
Public transit
0.9%

Climate

Summers are warm, with highs around 80°F, and winters are cold and harsh, with lows dropping to 11°F.

Average month

High °FLow °FPrecip (in)
-10°10°30°50°70°90°6"Jan: 0.89" precipitationFeb: 1.07" precipitationMar: 1.95" precipitationApr: 3.91" precipitationMay: 5.58" precipitationJun: 5.70" precipitationJul: 4.63" precipitationAug: 3.71" precipitationSep: 3.24" precipitationOct: 2.55" precipitationNov: 1.79" precipitationDec: 1.25" precipitation7°JJan: high 24°F, low 7°FFFeb: high 29°F, low 11°FMMar: high 41°F, low 23°FAApr: high 56°F, low 35°FMMay: high 69°F, low 47°FJJun: high 79°F, low 58°F82°JJul: high 82°F, low 62°FAAug: high 80°F, low 59°FSSep: high 74°F, low 50°FOOct: high 60°F, low 38°FNNov: high 43°F, low 25°FDDec: high 30°F, low 14°F

30-year averages, 1991–2020

Healthcare

1 hospital

There's one Medicare-certified hospital inside city limits, rated 2.0 out of 5 by Medicare. Hospitals in neighboring towns aren't counted here.

Medicare-certified hospitals

Education & workforce▼ 42% below US

21% bachelor's degree or higher

College degree attainment runs below average at 21%. That tends to reflect a more trade and working-class economy, which can be great or limiting depending on the industry.

Schools

9 public schools inside the boundary

There are 9 public schools inside the boundary and 3 private schools. The student-to-teacher ratio is 14:1, well below the national average of 16:1. Smaller class sizes are generally a positive sign for a district.

Bottom line

Mason City's strongest points are rent below the national average and home prices that remain within reach; the main tradeoffs are household incomes below the national average and college degree attainment below the national average. A year of median rent ($882/mo) equals 16% of the median household income here, less than the 21% typical nationwide. It tends to suit people watching their budget, job seekers, and people who want short commutes. It may be a harder fit for anyone who doesn't drive and anyone who dislikes long, cold winters.

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