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Harper city, IA

ZIP 52231 — 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 52231

Median Home Value
$228,700
Median Rent
$430
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,469/mo PITI).

7%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

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

44.3 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 52231 in Harper city, IA, a household would need roughly $63,000 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 $1,469. That is roughly in line with the local median household income ($69,545). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.2%+33% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
60.2%-31% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
1.0%-85% vs US avg
x
Rent Burden >30%
92.0%+85% vs US avg
x
Mortgage-Free
46.2%+21% vs US avg
x
$228,700
Home Value
$430
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$228,700
Median rent$430
Owner-occupied87.2%
Vacant0.0%
Price-to-income3.3x
Est. income to buy$63,000