Real Estate Investing in Agency, Iowa

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 939 • Wapello County

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Should you buy in Agency, IA? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Agency, IA?

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3.0/ 5

Investability

Citywide average

4.0/ 5

Appreciation

8.1% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $191,566
Avg Monthly Rent $954
ZIP Codes 1

Investing in Agency Real Estate

Agency, IA covers 1 ZIP codes and a population but the investment metrics here are subdued — this is not a market to enter casually.

The investment case for Agency is difficult to make on screen data alone. a harder case for a 3.0 rating and a cap rate of 0.0% that looks fine only until you underwrite the vacancy.

Transaction volume in Agency has thinned in a way that amplifies price discovery risk. On balance, investors without local context should treat every number on the page with skepticism.

Distressed-leaning demographics in Agency — soft income growth, high rent burden, population shifts — are among the reasons the ★★★☆☆ rating sits where it does.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in Agency, IA. Anonymous, moderated, never written by AI.

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Avg Home Value
$191,566
Avg Monthly Rent
$954
1% Rule
✗ Below
Landlord Friendly (IA)

📉 Market Crash Risk Index

Based on Ottumwa, IA metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
3/3
79%
Days Pending
0/2
0 days

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☀️ Warm Market — Ottumwa, IA metro
0
Days to pending
7.4%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Agency, IA

Screen every ZIP in Agency

Filter Agency’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Agency, IA

Is it easy to find good tenants in Agency, IA?

The renter base in Agency, IA is reasonable for the $954/mo price point. Screening well and pricing to market typically yields stable tenants.

How does Agency, IA stack up for property investment?

Yes - Agency, IA a 3.0/5 investability score. With $192K home prices against $954/mo monthly rent, the market delivers a reasonable entry point for new investors.

How much should I expect to pay for a home in Agency, IA?

Expect median prices around $192K in Agency, IA. The market has run at a 0.0% 5-year CAGR, so entry costs have been reliable.

What kind of vacancy should I budget for in Agency, IA?

Occupancy in Agency, IA runs steady with elevated vacancy. Well-priced units at $954/mo lease on reasonable timelines.

What is the best play in Agency, IA?

For Agency, IA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

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