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Epworth city, IA

ZIP 52045 — 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 52045

Median Home Value
$248,900
Median Rent
$661
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,599/mo PITI).

10%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

31.4 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 52045 in Epworth city, IA, a household would need roughly $69,000 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 $1,599. That sits below the local median household income ($83,239), 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
79.5%+22% vs US avg
x
Vacancy Rate
1.4%-86% vs US avg
x
Broadband Access
91.3%+5% vs US avg
x
4+ Bedrooms
7.9%-47% vs US avg
x
Built Pre-1939
2.6%-79% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
13.5%-73% vs US avg
x
Mortgage-Free
39.1%+2% vs US avg
x
$248,900
Home Value
$661
Rent
1980
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached88.5%
  • 1-unit attached3.6%
  • 2-9 units2.5%
  • 10+ units4.2%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$248,900
Median rent$661
Owner-occupied79.5%
Vacant1.4%
Price-to-income3.0x
Est. income to buy$69,000