Real Estate Investing in Ayrshire, Iowa

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

1 ZIP codes • Population: 248 • Palo Alto County

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

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.

📈 For Investors
MIXED
3.0 / 5 (57/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 33.0% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.0% CAGR).

What’s happening in Ayrshire, IA?

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3.0/ 5

Investability

Citywide average

0.0/ 5

Appreciation

Long-term value growth

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 $149,171
Avg Monthly Rent $1,233
ZIP Codes 1

Investing in Ayrshire Real Estate

This is a distressed-leaning corner of Iowa: Ayrshire has 1 ZIPs and a sizable population, and the investment math only works for investors who truly understand the market.

A 3.0 rating and a 5-year CAGR of 0.0% are the kinds of numbers that warrant real local underwriting, not spreadsheet tourism. Ayrshire is in that category.

Rents in Ayrshire at $1,233/mo have struggled to keep pace with cost increases, and vacancy has risen in pockets — a dynamic that compresses realized returns well below headline cap rates.

The 0% renter share in Ayrshire masks uneven tenant quality across ZIPs, and $N/AK median income leaves little cushion against economic shocks.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Spencer, IA

Ayrshire is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow → Appreciation → Affordable →

Landlord Ground Truth

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

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Avg Home Value
$149,171
Avg Monthly Rent
$1,233
1% Rule
✗ Below
Landlord Friendly (IA)

📉 Market Crash Risk Index

Based on Spencer, IA metro

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

View all metro crash risk rankings →

☀️ Warm Market — Spencer, IA metro
0
Days to pending
6.4%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Ayrshire, IA

Screen every ZIP in Ayrshire

Filter Ayrshire’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 Ayrshire, IA

How high is vacancy risk in Ayrshire, IA?

Ayrshire, IA sees elevated vacancy, which is reasonable relative to the broader IA rental market.

What is it like being a landlord in Ayrshire, IA?

The landlord environment in Ayrshire, IA is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Is the tenant base reliable in Ayrshire, IA?

Tenant quality in Ayrshire, IA ranks as solid. Landlords generally report measured occupancy at market rents of $1,233/mo.

Does house hacking make sense in Ayrshire, IA?

The a challenging house-hack environment in Ayrshire, IA reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What are home prices like in Ayrshire, IA?

In Ayrshire, IA the median home value sits at $149K. Against the broader IA market, that reads as reasonable for most investors.

Community Ratings

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