Real Estate Investing in Duncombe, Iowa (50532)
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Should you buy in 50532 (Duncombe, IA)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- Elevated poverty: 29.7% poverty rate — can affect rent collection.
• 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 Duncombe, IA (50532)?
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Market Analysis: 50532 Duncombe
ZIP 50532 inside Webster County looks affordable on the surface — median value of $195K — but the discount exists for reasons that a careful buyer should understand before committing.
For an experienced owner, 50532 can be a a strong candidate for hunting ground — but the discount at $195K reflects genuine risk that outside investors often underestimate.
Nearby ZIPs in Duncombe have seen price recovery that 50532 has not matched. Webster County data supports the view that the spread is structural rather than temporary.
The demographic picture in 50532 includes headwinds that any investor should price in. Income distribution skews lower than Duncombe averages, and tenant stability requires active management.
Experienced landlords with local relationships tend to find 50532 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Duncombe:
Market Trends
Home Value History (with trend line)
📊 How Does 50532 Compare?
| Metric | 50532 | Duncombe | Fort Dodge, IA | Iowa |
|---|---|---|---|---|
| Home Value | $195,350 | $195,350 | N/A | $227,232 |
| 5-Year CAGR | 6.6% | 6.6% | N/A | 6.0% |
| Avg Rent | $828 | $828 | N/A | - |
| Cap Rate | 3.3% | 3.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 50532 (Duncombe, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $195,350 |
| Monthly Rent | $828 |
| Price-to-Rent | 19.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | +11.1% ▲ |
| 3-Year CAGR | +6.4% ▲ |
| 5-Year CAGR | +6.6% ▲ |
| 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 (3.3%). 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 50532
Population: 889
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
🎓 Nearby Colleges & Universities
Investor Insight: With 1,399 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
What kind of market is Duncombe, IA for investors?
Investors tracking Duncombe, IA will find a 3.0/5 rating supported by $195K median home values and $828/mo rents. That profile suits long-term holders targeting consistent returns.
What is the renter demographic in Duncombe, IA?
Tenant quality in Duncombe, IA ranks as solid. Landlords generally report steady occupancy at market rents of $828/mo.
Is vacancy a concern in Duncombe, IA?
Rental vacancy in Duncombe, IA is elevated. Investors should budget normal turnover but not chronic empty units.
Is Duncombe, IA suited for a house hack?
For house hackers, Duncombe, IA is a challenging. The $828/mo rent on a unit helps defray the mortgage on a $195K property.
What type of investing works in Duncombe, IA?
Investors usually favor careful cash-flow rentals with hands-on management in Duncombe, IA. With home values at $195K and rents near $828/mo, other strategies can work but produce reliable rather than outsized returns.
You know 50532 now. You don’t know where it ranks.
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How 50532 ranks in Fort Dodge, IA
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