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Charlotte city, IA

ZIP 52731 — 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 52731

Median Home Value
$134,900
Median Rent
$580
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$867/mo PITI).

8%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.4 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 52731 in Charlotte city, IA, a household would need roughly $37,000 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 $867. That sits below the local median household income ($92,153), 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
85.2%+30% vs US avg
x
Vacancy Rate
4.5%-56% vs US avg
x
Broadband Access
78.3%-10% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
16.0%-68% vs US avg
x
Mortgage-Free
31.7%-17% vs US avg
x
$134,900
Home Value
$580
Rent
1952
Year Built
2006
Moved In

Residents have lived here since ~2006 on average

Housing Structure

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

  • 1-unit detached89.2%
  • 1-unit attached0.0%
  • 2-9 units6.2%
  • 10+ units0.0%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,900
Median rent$580
Owner-occupied85.2%
Vacant4.5%
Price-to-income1.5x
Est. income to buy$37,000