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Monticello city, IA

ZIP 52310 — 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 52310

Median Home Value
$192,800
Median Rent
$510
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,238/mo PITI).

8%
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.

31.5 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 52310 in Monticello city, IA, a household would need roughly $53,000 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 $1,238. That sits below the local median household income ($76,946), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
80.2%+23% vs US avg
x
Vacancy Rate
7.3%-29% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
5.6%-62% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
1.9%-96% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$192,800
Home Value
$510
Rent
1969
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 detached78.8%
  • 1-unit attached1.6%
  • 2-9 units9.9%
  • 10+ units7.7%
  • Mobile home & other2.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,800
Median rent$510
Owner-occupied80.2%
Vacant7.3%
Price-to-income2.5x
Est. income to buy$53,000