Real Estate Investing in Farley, Iowa (52046)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 52046 (Farley, 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.
- High price-to-rent: Price-to-rent ratio 27.3 — 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 Farley, IA (52046)?
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Market Analysis: 52046 Farley
This part of Dubuque County is not an easy win. The 52046 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 52046 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Nearby ZIPs in Farley have seen price recovery that 52046 has not matched. Dubuque County data supports the view that the spread is structural rather than temporary.
Resident income in 52046 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
The right play in 52046 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 Farley:
Property Strategy for 52046
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $244,567 | $1,090 | 3.2% | +6.5% | $122,283 |
| 3BR | $272,335 | $1,470 | 3.9% | +6.5% | $90,778 |
| 4BR | $373,303 | $1,830 | 3.5% | +6.9% | $93,326 |
Market Trends
Home Value History (with trend line)
📊 How Does 52046 Compare?
| Metric | 52046 | Farley | Dubuque, IA | Iowa |
|---|---|---|---|---|
| Home Value | $321,053 | $321,053 | N/A | $227,232 |
| 5-Year CAGR | 6.3% | 6.3% | N/A | 6.0% |
| Avg Rent | $981 | $981 | N/A | - |
| Cap Rate | 2.4% | 2.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 52046 (Farley, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $321,053 |
| Monthly Rent | $981 |
| Price-to-Rent | 27.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 8.7% |
📈 Home Appreciation
| 1-Year | +8.6% ▲ |
| 3-Year CAGR | +6.3% ▲ |
| 5-Year CAGR | +6.3% ▲ |
| 10-Year CAGR | +6.5% ▲ |
🏠 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 (2.4%). 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 52046
Population: 2,628
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 52046
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.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
Is housing expensive in Farley, IA?
Farley, IA median home values land near $321K. That is reasonable territory for investors looking at $981/mo-per-month rentals.
Is rental property easy to operate in Farley, IA?
Landlord-friendliness in Farley, IA is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
What is the renter demographic in Farley, IA?
Tenant quality in Farley, IA ranks as solid. Landlords generally report reliable occupancy at market rents of $981/mo.
Is Farley in IA worth investing in?
Our data puts Farley, IA at 3.0/5 for investability. Home prices of $321K and rents around $981/mo create a solid backdrop for investor activity.
Does house hacking make sense in Farley, IA?
House hacking works a challenging in Farley, IA. Rents of $981/mo against $321K acquisition make the strategy solid for owner-occupants.
You know 52046 now. You don’t know where it ranks.
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How 52046 ranks in Dubuque, IA
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