Real Estate Investing in Monticello, Iowa (52310)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 52310 (Monticello, 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 vacancy: 8.4% 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 Monticello, IA (52310)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 52310 Monticello
Not every below-median market is a bargain. Monticello's 52310 ZIP clocks in at signals that favor experienced operators who can absorb the risk $243K pricing implies.
The 52310 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
ZIP 52310's metrics run below Jones County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
Demographically, 52310 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.
Strategy in 52310 is an operator game, not a passive one. Meanwhile, entry prices of $243K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Monticello:
Property Strategy for 52310
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $156,121 | $920 | 4.2% | +7.1% | $78,060 |
| 3BR | $221,919 | $1,260 | 4.1% | +7.0% | $73,973 |
| 4BR | $279,294 | $1,510 | 3.9% | +7.8% | $69,824 |
| 5BR | $342,907 | — | — | +7.5% | $68,581 |
Market Trends
Home Value History (with trend line)
📊 How Does 52310 Compare?
| Metric | 52310 | Monticello | Cedar Rapids, IA | Iowa |
|---|---|---|---|---|
| Home Value | $243,243 | $243,243 | N/A | $227,232 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 6.0% |
| Avg Rent | $828 | $828 | N/A | - |
| Cap Rate | 2.7% | 2.7% | - | - |
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 52310 (Monticello, IA). Anonymous, moderated, never written by AI.
Do you own or manage rentals in ZIP 52310 (Monticello, IA)?
~25 seconds · no account needed · your report is anonymous
📊 Market Snapshot
| Home Value | $243,243 |
| Monthly Rent | $828 |
| Price-to-Rent | 24.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.1% |
| Cap Rate | 2.7% |
| 5-Year IRR | 9.8% |
📈 Home Appreciation
| 1-Year | +11.9% ▲ |
| 3-Year CAGR | +6.7% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | +5.8% ▲ |
🏠 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 (2.7%). 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 52310
Population: 6,384
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 52310
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
What monthly rent should investors expect in Monticello, IA?
Rental rates in Monticello, IA average $828/mo. Tenant demand and $243K home values make the yield look reasonable by investor standards.
How expensive is real estate in Monticello, IA?
Median home price in Monticello, IA is near $243K, with a 5-year CAGR of 0.0%. Prices have been stable and supportive of buy-and-hold strategies.
Should investors worry about vacancy in Monticello, IA?
Monticello, IA sees elevated vacancy, which is reasonable relative to the broader IA rental market.
Is IA a landlord-friendly state?
Landlord-friendliness in Monticello, IA is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.
How does Monticello, IA stack up for property investment?
Yes - Monticello, IA a 3.0/5 investability score. With $243K home prices against $828/mo monthly rent, the market delivers a reasonable entry point for new investors.
You know 52310 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 52310 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 52310 ranks in Cedar Rapids, IA
Every ZIP in this metro, ranked. Free.
AI Market Advisor
Ask questions about investing in 52310 (Monticello)
Community Ratings
What people who’ve spent time here actually say. Not paid reviews.
Be the first to rate 52310 (Monticello, IA).
It takes 30 seconds. No signup. Your rating helps everyone who comes here after you.