US5.com
  1. Home
  2. States
  3. Iowa
  4. ZIP 52032
  5. Housing & Real Estate
Bernard city, IA

ZIP 52032 — 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 52032

Median Home Value
$260,300
Median Rent
$180
Affordability Snapshot
$72,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,672/mo PITI).

3%
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.

120.5 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 52032 in Bernard city, IA, a household would need roughly $72,000 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 $1,672. That sits below the local median household income ($83,625), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.0%+33% vs US avg
x
Vacancy Rate
13.2%+29% vs US avg
x
Broadband Access
87.5%+1% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
43.2%+13% vs US avg
x
$260,300
Home Value
$180
Rent
1973
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 detached81.1%
  • 1-unit attached5.5%
  • 2-9 units0.1%
  • 10+ units1.3%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$260,300
Median rent$180
Owner-occupied87.0%
Vacant13.2%
Price-to-income3.1x
Est. income to buy$72,000