Real Estate Investing in Cumberland, Iowa (50843)
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Should you buy in 50843 (Cumberland, 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: 21.5% 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 Cumberland, IA (50843)?
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Market Analysis: 50843 Cumberland
Not every below-median market is a bargain. Cumberland's 50843 ZIP shows signals that favor experienced operators who can absorb the risk $194K pricing implies.
For an experienced owner, 50843 can be a a credible choice for hunting ground — but the discount at $194K reflects genuine risk that outside investors often underestimate.
In the broader IA picture, 50843 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.
A healthy renter share of 25% in 50843 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The 50843 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 Cumberland:
Market Trends
Home Value History (with trend line)
📊 How Does 50843 Compare?
| Metric | 50843 | Cumberland | Iowa |
|---|---|---|---|
| Home Value | $194,037 | $194,037 | $227,232 |
| 5-Year CAGR | 8.1% | 8.1% | 6.0% |
| Avg Rent | $828 | $828 | - |
| 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 50843 (Cumberland, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $194,037 |
| Monthly Rent | $828 |
| Price-to-Rent | 19.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.1% |
| Cap Rate | 3.3% |
| 5-Year IRR | 11.4% |
📈 Home Appreciation
| 1-Year | +9.8% ▲ |
| 3-Year CAGR | +7.6% ▲ |
| 5-Year CAGR | +8.1% ▲ |
| 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 50843
Population: 462
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
Are rents high in Cumberland, IA?
Cumberland, IA rentals go for roughly $828/mo a month. That puts gross yield in solid territory relative to $194K acquisition costs.
How strong is the working-renter base in Cumberland, IA?
Tenant demand in Cumberland, IA is solid. The local workforce $828/mo rents across most rental classes.
How tight is the rental market in Cumberland, IA?
Cumberland, IA carries elevated vacancy risk. Expect measured absorption at market rents of $828/mo.
How much does a house cost in Cumberland, IA?
Homes in Cumberland, IA typically sell near $194K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.
How does Cumberland, IA rate as a rental market?
Cumberland, IA rates 3.0/5 for investability. With median values at $194K and rents near $828/mo, the market offers reasonable fundamentals for rental investors.
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