Real Estate Investing in Sumner, Iowa (50674)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 50674 (Sumner, 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.
- Elevated vacancy: 8.6% vacancy may signal weakening demand.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Sumner, IA (50674)?
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Market Analysis: 50674 Sumner
The 50674 ZIP in Sumner, IA is a local-operator market. Outside capital chasing a $214K entry has to pair deep knowledge with the discount.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $214K asset, 50674 is the wrong submarket. If the plan prices in friction, the yield can still work.
Statewide comparisons place 50674 among IA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.
Demographically, 50674 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
The 50674 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 Sumner:
Property Strategy for 50674
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $129,872 | $1,000 | 5.5% | +5.8% | $64,936 |
| 3BR | $195,259 | $1,330 | 4.9% | +7.3% | $65,086 |
| 4BR | $242,712 | $1,360 | 4.0% | +7.8% | $60,678 |
| 5BR | $333,294 | — | — | +8.6% | $66,659 |
Market Trends
Home Value History (with trend line)
📊 How Does 50674 Compare?
| Metric | 50674 | Sumner | Waterloo-Cedar Falls, IA | Iowa |
|---|---|---|---|---|
| Home Value | $214,134 | $214,134 | N/A | $227,232 |
| 5-Year CAGR | 6.4% | 6.4% | N/A | 6.0% |
| Avg Rent | $900 | $900 | 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 50674 (Sumner, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $214,134 |
| Monthly Rent | $900 |
| Price-to-Rent | 19.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.0% |
| Cap Rate | 3.3% |
| 5-Year IRR | 9.7% |
📈 Home Appreciation
| 1-Year | +7.8% ▲ |
| 3-Year CAGR | +5.1% ▲ |
| 5-Year CAGR | +6.4% ▲ |
| 10-Year CAGR | +5.2% ▲ |
🏠 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 50674
Population: 3,596
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
🎓 Schools in 50674
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
Frequently Asked Questions
How does Sumner, IA stack up for property investment?
Yes - Sumner, IA a 3.0/5 investability score. With $214K home prices against $900/mo monthly rent, the market delivers a reasonable entry point for new investors.
How strong are rents in Sumner, IA?
The typical rental in Sumner, IA commands about $900/mo monthly. That rent profile even-keeled cash flow against the $214K purchase basis.
Does house hacking make sense in Sumner, IA?
House hacking in Sumner, IA is reasonable to execute. Prices around $214K and rents of $900/mo solid owner-occupant economics.
How much should I expect to pay for a home in Sumner, IA?
Expect median prices around $214K in Sumner, IA. The market has run at a 0.0% 5-year CAGR, so entry costs have been even-keeled.
What investment strategy works best in Sumner, IA?
Most investors in Sumner, IA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
You know 50674 now. You don’t know where it ranks.
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How 50674 ranks in Waterloo-Cedar Falls, IA
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