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Hartwick city, IA

ZIP 52232 — 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 52232

Median Home Value
$234,800
Median Rent
$560
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,508/mo PITI).

7%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

34.9 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 52232 in Hartwick city, IA, a household would need roughly $65,000 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 $1,508. That sits below the local median household income ($95,313), 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
90.5%+38% vs US avg
x
Vacancy Rate
0.0%
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
1.1%-93% vs US avg
x
Built Pre-1939
8.4%-34% vs US avg
x
Built Post-2014
1.1%-85% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
29.1%-24% vs US avg
x
$234,800
Home Value
$560
Rent
1947
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached88.4%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other11.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$234,800
Median rent$560
Owner-occupied90.5%
Vacant0.0%
Price-to-income2.5x
Est. income to buy$65,000