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Earlville city, IA

ZIP 52041 — 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 52041

Median Home Value
$211,500
Median Rent
$527
Affordability Snapshot
$58,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,359/mo PITI).

7%
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.

33.4 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 52041 in Earlville city, IA, a household would need roughly $58,000 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 $1,359. That sits below the local median household income ($87,316), 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

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

Heating Fuel
Housing Metrics
Owner Occupied
80.9%+24% vs US avg
x
Vacancy Rate
3.4%-67% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
6.9%-53% vs US avg
x
Built Pre-1939
1.2%-90% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
32.2%-16% vs US avg
x
$211,500
Home Value
$527
Rent
1962
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached94.5%
  • 1-unit attached0.3%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$211,500
Median rent$527
Owner-occupied80.9%
Vacant3.4%
Price-to-income2.4x
Est. income to buy$58,000