Real Estate Investing in Durango, Iowa (52039)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 52039 (Durango, 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: 11.7% vacancy may signal weakening demand.
- High price-to-rent: Price-to-rent ratio 34.3 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Durango, IA (52039)?
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Market Analysis: 52039 Durango
This part of Dubuque County is not an easy win. The 52039 ZIP posts softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 52039 can be a a credible choice for hunting ground — but the discount at $404K reflects genuine risk that outside investors often underestimate.
Regionally, 52039 sits on the difficult end of the IA spectrum. The a solid fit for read — for disciplined operators — is that pricing reflects the difficulty.
Employment concentration in 52039 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
The right play in 52039 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Durango:
Property Strategy for 52039
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 3BR | $365,262 | $1,460 | 2.9% | +7.9% | $121,754 |
| 4BR | $485,290 | $1,810 | 2.7% | +7.6% | $121,323 |
Market Trends
Home Value History (with trend line)
📊 How Does 52039 Compare?
| Metric | 52039 | Durango | Dubuque, IA | Iowa |
|---|---|---|---|---|
| Home Value | $403,583 | $403,583 | N/A | $227,232 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 6.0% |
| Avg Rent | $981 | $981 | N/A | - |
| Cap Rate | 1.9% | 1.9% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 52039 (Durango, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $403,583 |
| Monthly Rent | $981 |
| Price-to-Rent | 34.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 2.9% |
| Cap Rate | 1.9% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | +9.4% ▲ |
| 3-Year CAGR | +5.8% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 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 (1.9%). 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 52039
Population: 1,005
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
Frequently Asked Questions
How does Durango, IA rate as a rental market?
Durango, IA scores 3.0/5 for investability. Home values sit at $404K and rents near $981/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.
How strong is tenant demand in Durango, IA?
Durango, IA draws a steady base of working renters. Demand at the $981/mo rent level is reasonable for standard single-family and small multi rentals.
Is vacancy a concern in Durango, IA?
Rental vacancy in Durango, IA is elevated. Investors should budget normal turnover but not chronic empty units.
Is Durango, IA a good market for FHA house hackers?
Durango, IA offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $981/mo rent level.
What monthly rent should investors expect in Durango, IA?
Average rent in Durango, IA is approximately $981/mo per month. Against $404K home values that yields a reasonable rent-to-price ratio.
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How 52039 ranks in Dubuque, IA
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