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Central City city, IA

ZIP 52214 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52214

Median Home Value
$235,400
Median Rent
$638
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,512/mo PITI).

9%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

30.7 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 52214 in Central City city, IA, a household would need roughly $65,000 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 $1,512. That sits below the local median household income ($83,450), 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
85.8%+31% vs US avg
x
Vacancy Rate
15.1%+47% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
3.9%-70% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
14.9%-70% vs US avg
x
Mortgage-Free
43.6%+14% vs US avg
x
$235,400
Home Value
$638
Rent
1967
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached92.8%
  • 1-unit attached0.7%
  • 2-9 units6.2%
  • 10+ units0.4%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$235,400
Median rent$638
Owner-occupied85.8%
Vacant15.1%
Price-to-income2.8x
Est. income to buy$65,000