Real Estate Investing in Floyd, Iowa (50435)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 50435 (Floyd, IA)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 18.0% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Floyd, IA (50435)?
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Market Analysis: 50435 Floyd
The 50435 ZIP in Floyd, IA is a local-operator market. Outside capital chasing a $210K entry has to pair deep knowledge with the discount.
For an experienced owner, 50435 can be a a viable market for hunting ground — but the discount at $210K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Floyd have seen price recovery that 50435 has not matched. Floyd County data supports the view that the spread is structural rather than temporary.
A solid renter share of 23% in 50435 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The 50435 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.
Here's what matters if you're considering buying a home in Floyd:
Market Trends
Home Value History (with trend line)
📊 How Does 50435 Compare?
| Metric | 50435 | Floyd | Iowa |
|---|---|---|---|
| Home Value | $210,346 | $210,346 | $227,232 |
| 5-Year CAGR | 6.5% | 6.5% | 6.0% |
| Avg Rent | $1,062 | $1,062 | - |
| Cap Rate | 3.9% | 3.9% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 50435 (Floyd, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $210,346 |
| Monthly Rent | $1,062 |
| Price-to-Rent | 16.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 3.9% |
| 5-Year IRR | 10.5% |
📈 Home Appreciation
| 1-Year | +11.4% ▲ |
| 3-Year CAGR | +5.9% ▲ |
| 5-Year CAGR | +6.5% ▲ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.9%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 50435
Population: 764
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
Frequently Asked Questions
How much do tenants pay in Floyd, IA?
Rent in Floyd, IA is around $1,062/mo. The resulting rent-to-value relationship with $210K pricing is reasonable for most investor models.
What kind of vacancy should I budget for in Floyd, IA?
Floyd, IA vacancy trends elevated. Investors running standard buy-and-hold plays see reasonable downtime between tenants.
Is Floyd, IA a smart market for rental property?
With a 3.0/5 investability score, Floyd, IA ranks as a solid market for rental property investors. Median prices of $210K and rents of $1,062/mo drive the underlying numbers.
How do landlord-tenant laws work in Floyd, IA?
IA law landlord-friendly for landlords, and Floyd inherits those rules. Investors should still review local ordinances for rental licensing.
What is the best play in Floyd, IA?
For Floyd, IA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
You know 50435 now. You don’t know where it ranks.
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