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Shellsburg city, IA

ZIP 52332 — 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 52332

Median Home Value
$227,800
Median Rent
$478
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,463/mo PITI).

6%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

39.7 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 52332 in Shellsburg 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 $1,463. That sits below the local median household income ($90,781), 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 20% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
90.2%+38% vs US avg
x
Vacancy Rate
19.8%+92% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
45.9%+20% vs US avg
x
$227,800
Home Value
$478
Rent
1989
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 detached72.9%
  • 1-unit attached0.6%
  • 2-9 units8.2%
  • 10+ units8.9%
  • Mobile home & other9.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$227,800
Median rent$478
Owner-occupied90.2%
Vacant19.8%
Price-to-income2.5x
Est. income to buy$63,000