Average Rent in Oto, IA (2026)
The average 1-bedroom rent in Oto, IA is $910/month as of 2026, based on HUD data across 1 ZIP codes. Rents have changed +13.8% year over year. Rents range from $910 to $910.
Average Rent · 1-Bedroom
$910/mo
Source: HUD Fair Market Rent · 1 zip codes
Year-over-Year
↑ +13.8%
Source: HUD Fair Market Rent
Data through
The average 1-bedroom rent in Oto, IA is $910/month according to HUD FY2026 Fair Market Rent data, covering 1 ZIP codes. Rents have increased 13.8% year-over-year. The average 1-bedroom rent in Oto is 24% below the national average of $1,196/month.
Average rent in Oto, IA ranges from $910 to $910 across 1 ZIP codes.
Based on HUD Fair Market Rent, a fair rent increase in Oto, IA is approximately 13.8% for 2026. An increase above 13.8% exceeds the local market trend and may be worth negotiating.
Key Facts
Sources: HUD Fair Market Rent, HUD SAFMR, Rentcast. Updated October 2025.
Market trend data is limited for this area. The analysis below uses federal rent benchmarks.
How much is rent in Oto, IA?
The average 1-bedroom rent in Oto, IA is $910/month as of 2026, based on HUD data across 1 ZIP codes. Rents across Oto are relatively uniform, clustering around $910/month. To afford this at the 30% rule, a household would need approximately $36,400/year.
Is rent going up in Oto?
Rents in Oto have increased 13.8% year over year based on HUD Fair Market Rent. This is a notably high rate of increase, indicating strong upward rent pressure in Oto.
What is a fair rent increase in Oto?
Based on HUD Fair Market Rent, a rent increase around 13.8% is in line with the Oto market for 2026. An increase above that level exceeds the local trend and may be worth pushing back on. Check your specific increase with RenewalReply's free rent analysis tool.
What Should Rent Cost in Oto?
Typical rent ranges based on HUD benchmarks and market data. In areas with limited listing data, ranges reflect federal benchmarks and may be wider than actual market conditions.
A studio in Oto typically rents for $800 – $864.
Rents above $994 are in the top 25% for this area.
A 1-bedroom in Oto typically rents for $910 – $994.
Rents above $1,143 are in the top 25% for this area.
A 2-bedroom in Oto typically rents for $1,140 – $1,240.
Rents above $1,426 are in the top 25% for this area.
A 3-bedroom in Oto typically rents for $1,380 – $1,490.
Rents above $1,713 are in the top 25% for this area.
A 4-bedroom in Oto typically rents for $1,570 – $1,696.
Rents above $1,950 are in the top 25% for this area.
Federal Rent Benchmarks for Oto
HUD Fair Market Rents are federal rent benchmarks published annually by HUD. They provide a consistent baseline for comparing rents across areas.
Studio
$800
HUD Fair Market Rent
1-Bedroom
$910
HUD Fair Market Rent
2-Bedroom
$1,140
HUD Fair Market Rent
3-Bedroom
$1,380
HUD Fair Market Rent
4-Bedroom
$1,570
HUD Fair Market Rent
Source: HUD SAFMR FY2026 · Updated
Zip Codes in Oto
Click any zip code for detailed rent data including zip-specific SAFMR rates, nearby comparables, and a free rent increase check.
HUD publishes a single Fair Market Rent for the entire Sioux City, IA-NE-SD MSA metro area. For zip-level variation, the tool uses additional data sources including real-time comparable listings and local market indices.
All zip codes in Oto share the same county-level HUD Fair Market Rent ($910 for 1-BR). Click any zip for SAFMR-specific rates.
County-level FMR shown in city summary above.
How Does Oto Compare?
Questions about rent in Oto
What is the average 1-bedroom rent in Oto, IA?
The average 1-bedroom fair market rent in Oto, IA is $910/month as of 2026, based on HUD rent data across 1 ZIP codes in the city. This is 24% below the national average of $1,196/month. Rents range from $910 to $910 depending on ZIP code.
What is a fair rent increase in Oto?
A rent increase up to about 13.8% is broadly in line with the recent market trend in Oto. Increases above that level are above trend and should be tested against neighborhood-level pricing and comparable rentals. The current average 1-BR rent is $910/month.
Are rents going up or down in Oto?
Rents in Oto have increased 13.8% year over year based on HUD Fair Market Rent. This reflects local market conditions across 1 ZIP codes in the Sioux City, IA-NE-SD MSA area.
How much do rents vary across Oto?
1-bedroom rents across Oto range from $910 to $910 on this page, a $0/month spread. This shows that rent can vary materially across ZIP codes within the same city, reflecting neighborhood-level differences in housing stock and demand.
Can my landlord raise my rent in Oto?
We could not identify a city-specific rent cap for Oto. Landlords must still follow applicable state and local notice rules before raising rent at lease renewal. Requirements vary — check your state's landlord-tenant statute for specifics on notice periods and timing.
How much should I spend on rent in Oto?
The general guideline is to spend no more than 30% of your gross income on rent. With average 1-bedroom rent in Oto at $910/month, a household would need approximately $36,400/year in gross income to afford this comfortably. Many renters in high-cost areas spend above this threshold — our free tool can help you assess whether your specific rent is fair for your ZIP code.
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Renter Tools
Browse Oto ZIP Codes
See rent data by ZIP code in this city.
Renter Guides
- How to Negotiate a Rent Increase →
A data-driven guide with free email templates for pushing back on your landlord.
- Rent Increase Laws in Iowa →
See notice rules, caps, and tenant protections in Iowa.
- What Should I Pay for Rent? →
How to compare rent prices and know if you're getting a fair deal.
Market data updated monthly from public and third-party sources. Actual rents vary by unit, building, and lease terms. For informational purposes only — not legal or financial advice. See methodology →