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Chester city, IA

ZIP 52134 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52134

Median Home Value
$231,300
Median Rent
$363
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,486/mo PITI).

6%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

53.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 52134 in Chester city, IA, a household would need roughly $64,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,486. That sits below the local median household income ($73,603), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 15% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
91.1%+39% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
92.1%+6% vs US avg
x
4+ Bedrooms
17.6%+19% vs US avg
x
Built Pre-1939
3.4%-74% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
65.2%+71% vs US avg
x
$231,300
Home Value
$363
Rent
1938
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached85.7%
  • 1-unit attached3.4%
  • 2-9 units5.9%
  • 10+ units1.7%
  • Mobile home & other3.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,300
Median rent$363
Owner-occupied91.1%
Vacant15.1%
Price-to-income3.1x
Est. income to buy$64,000