Real Estate Investing in Holland, Iowa (50642)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 50642 (Holland, IA)? Our answer, based on the numbers below.
Strong fundamentals — affordable, appreciating, and stable. A confident pick for primary residence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
• 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 Holland, IA (50642)?
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Market Analysis: 50642 Holland
The 50642 ZIP in Holland, IA is a local-operator market. Outside capital chasing a $216K entry has to pair deep knowledge with the discount.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 50642 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Regionally, 50642 sits on the difficult end of the IA spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
The 50642 ZIP's population of 554 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that shows the need for careful underwriting.
The 50642 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 Holland:
Market Trends
Home Value History (with trend line)
📊 How Does 50642 Compare?
| Metric | 50642 | Holland | Waterloo-Cedar Falls, IA | Iowa |
|---|---|---|---|---|
| Home Value | $216,343 | $216,343 | N/A | $227,232 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 6.0% |
| Avg Rent | $1,107 | $1,107 | N/A | - |
| Cap Rate | 4.0% | 4.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 50642 (Holland, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $216,343 |
| Monthly Rent | $1,107 |
| Price-to-Rent | 16.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.1% |
| Cap Rate | 4.0% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +7.6% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 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 (4.0%). 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 50642
Population: 554
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
What strategy should investors use in Holland, IA?
A careful cash-flow rentals with hands-on management strategy Holland, IA best. The market produces stable results for that approach at the $216K price point.
How strong is tenant demand in Holland, IA?
Holland, IA draws a reliable base of working renters. Demand at the $1,107/mo rent level is reasonable for standard single-family and small multi rentals.
Are there empty rentals in Holland, IA?
Holland, IA sees elevated vacancy, which is reasonable relative to the broader IA rental market.
What is it like being a landlord in Holland, IA?
IA law landlord-friendly for landlords, and Holland inherits those rules. Investors should still review local ordinances for rental licensing.
What is the median home value in Holland, IA?
Typical homes in Holland, IA go for around $216K. The 5-year CAGR of 0.0% stable price movement.
You know 50642 now. You don’t know where it ranks.
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How 50642 ranks in Waterloo-Cedar Falls, IA
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