Real Estate Investing in Derby, Iowa

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

1 ZIP codes • Population: 267 • Lucas

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

🏠 For Homebuyers
WEAK FIT
Grade F (39/100)

Multiple negative signals. Better options likely exist nearby.

📈 For Investors
WEAK
2.0 / 5 (33/100)

Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.

⚠️ Risks to Know
2 flags
  • High vacancy: 19.4% of homes vacant — above national norms.
  • Flat appreciation: Values have barely moved over 5 years (0.0% CAGR).

What’s happening in Derby, IA?

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2.0/ 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 $230,892
Avg Monthly Rent $927
ZIP Codes 1

Investing in Derby Real Estate

Derby in Iowa is one of the markets where the numbers warn before they reward — 1 ZIPs, a sizable population, and a rating that reflects material risk.

unambiguously Derby's aggregate rating of ★★☆☆☆ reflects subdued investor metrics across the board — weak rent growth, weak appreciation, and rising-vacancy pressure in multiple ZIPs.

Market conditions in Derby are soft. Days-on-market has stretched, rent growth has stalled, and the 0.0% 5-year CAGR understates how uneven the underlying ZIPs really are.

Population dynamics in Derby haven't been supportive. a harder case for combined with underwhelming income growth, the demographic backdrop complicates any purely financial underwriting.

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Landlord Ground Truth

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Avg Home Value
$230,892
Avg Monthly Rent
$927
1% Rule
✗ Below
Landlord Friendly (IA)

ZIP Codes in Derby, IA

Screen every ZIP in Derby

Filter Derby’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 Derby, IA

What is the median home value in Derby, IA?

Typical homes in Derby, IA go for around $231K. The 5-year CAGR of 0.0% stable price movement.

Is Derby, IA a smart market for rental property?

With a 2.0/5 investability score, Derby, IA ranks as a solid market for rental property investors. Median prices of $231K and rents of $927/mo drive the underlying numbers.

Can owner-occupants cash flow in Derby, IA?

Derby, IA offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $927/mo rent level.

What is the rental occupancy rate in Derby, IA?

Derby, IA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.

How do landlord-tenant laws work in Derby, IA?

IA ranks as a landlord-friendly state for landlord-tenant law. Derby generally follows the statewide framework, so landlords face reasonable operating rules.

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