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Montrose city, IA

ZIP 52639 — 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 52639

Median Home Value
$146,400
Median Rent
$705
Affordability Snapshot
$40,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$940/mo PITI).

14%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.3 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 52639 in Montrose city, IA, a household would need roughly $40,000 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 $940. That sits below the local median household income ($61,250), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
93.3%+43% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
87.3%+0% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.7%-66% vs US avg
x
Mortgage-Free
52.7%+38% vs US avg
x
$146,400
Home Value
$705
Rent
1972
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached87.2%
  • 1-unit attached0.0%
  • 2-9 units2.5%
  • 10+ units0.8%
  • Mobile home & other9.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$146,400
Median rent$705
Owner-occupied93.3%
Vacant6.5%
Price-to-income2.4x
Est. income to buy$40,000