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Baldwin city, IA

ZIP 52207 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52207

Median Home Value
$45,800
Median Rent
$541
Affordability Snapshot
$13,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$294/mo PITI).

14%
Rent-to-Income Ratio

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

1.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

7.1 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 52207 in Baldwin city, IA, a household would need roughly $13,000 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 $294. That sits below the local median household income ($47,917), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+32% vs US avg
x
Vacancy Rate
12.2%+19% vs US avg
x
Broadband Access
75.2%-14% vs US avg
x
4+ Bedrooms
1.4%-91% vs US avg
x
Built Pre-1939
6.1%-52% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.2%-55% vs US avg
x
Mortgage-Free
58.6%+53% vs US avg
x
$45,800
Home Value
$541
Rent
1963
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached66.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other33.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$45,800
Median rent$541
Owner-occupied86.0%
Vacant12.2%
Price-to-income1.0x
Est. income to buy$13,000