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Cedar Rapids city, IA

ZIP 52403 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 52403

Median Home Value
$190,700
Median Rent
$679
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,225/mo PITI).

11%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.4 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 52403 in Cedar Rapids city, IA, a household would need roughly $52,000 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 $1,225. That sits below the local median household income ($73,848), 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
76.8%+17% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
5.2%-65% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
17.6%-65% vs US avg
x
Mortgage-Free
35.7%-7% vs US avg
x
$190,700
Home Value
$679
Rent
1958
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached75.8%
  • 1-unit attached2.1%
  • 2-9 units8.8%
  • 10+ units12.8%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,700
Median rent$679
Owner-occupied76.8%
Vacant7.0%
Price-to-income2.6x
Est. income to buy$52,000