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Iowa City city, IA

ZIP 52246 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52246

Median Home Value
$327,100
Median Rent
$930
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,101/mo PITI).

20%
Rent-to-Income Ratio

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

5.9x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

29.3 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 52246 in Iowa City city, IA, a household would need roughly $90,000 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 $2,101. That is about 63% above the local median household income ($55,088), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
43.2%-34% vs US avg
x
Vacancy Rate
9.4%-9% vs US avg
x
Broadband Access
86.6%-1% vs US avg
x
4+ Bedrooms
7.4%-50% vs US avg
x
Built Pre-1939
1.7%-87% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
36.4%-27% vs US avg
x
Mortgage-Free
42.0%+10% vs US avg
x
$327,100
Home Value
$930
Rent
1989
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached31.1%
  • 1-unit attached8.4%
  • 2-9 units15.6%
  • 10+ units39.2%
  • Mobile home & other5.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,100
Median rent$930
Owner-occupied43.2%
Vacant9.4%
Price-to-income5.9x
Est. income to buy$90,000