Real Estate Investing in Melrose, Iowa (52569)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Monroe County • Population: 541 • Data updated: September 2026

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Should you buy in 52569 (Melrose, IA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (84/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
GOOD
4.0 / 5 (71/100)

A balanced market — moderate cash flow and moderate appreciation. A "steady" investor profile fits best.

⚠️ Risks to Know
1 flag
  • High vacancy: 48.1% of homes vacant — above national norms.

• 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 Melrose, IA (52569)?

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4.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

5.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $126,638
Avg Monthly Rent $1,071
1% Rule ✗ Does Not Meet
Median Income $57,422
% Renters 1.6%

Market Analysis: 52569 Melrose

This part of Monroe County is not an easy win. The 52569 ZIP registers softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 52569 is sturdy only for operators who understand what they are buying. A $127K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

Nearby ZIPs in Melrose have seen price recovery that 52569 has not matched. Monroe County data supports the view that the spread is structural rather than temporary.

From a cash-flow lens, 541 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The right play in 52569 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Melrose:

B+ Great
Buy Confidence Score: 80/100
Affordability
25/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.2× the median income
Value Trend
Rising (+21.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,071/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This area shows favorable conditions for homebuyers. Solid fundamentals with reasonable affordability.
🏠

Property Strategy for 52569

Which property type performs best in this market?

Best for Cash Flow
2BR
7.2% cap rate
Best Overall Value
3BR
$57,293/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $118,911 $1,190 7.2% $59,455
3BR $171,879 $1,540 6.5% $57,293

Market Trends

Home Value History (with trend line)

$135K$117K$98K$80K$62K$43KFeb 2016May 2021Jul 2026

📊 How Does 52569 Compare?

Metric 52569 Melrose Iowa
Home Value $126,638 $126,638 $227,232
5-Year CAGR 7.8% 7.8% 6.0%
Avg Rent $1,071 $1,071 -
Cap Rate 6.6% 6.6% -
💡 Why Invest in 52569? Click to expand

Our analysis gives this area a 4/5 investability rating, placing it in the top tier for rental property potential.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 52569 (Melrose, IA). Anonymous, moderated, never written by AI.

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Investability
Excellent
Cap Rate
6.6%
Good
5yr Growth
+7.8%
Strong

📊 Market Snapshot

Home Value $126,638
Monthly Rent $1,071
Price-to-Rent 9.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 10.2%
Cap Rate 6.6%
5-Year IRR 14.4%

📈 Home Appreciation

1-Year +21.4% ▲
3-Year CAGR +6.3% ▲
5-Year CAGR +7.8% ▲
10-Year CAGR +9.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Neutral Leverage Cap Rate: 6.6%  |  30yr Rate: 6.8%
Leverage is roughly neutral here.

The current 30-yr mortgage rate (6.8%) is close to the estimated cap rate (6.6%). Financing this market at current rates produces a cash-on-cash return near the cap rate. Appreciation and tax benefits may still support the investment.

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
48.1%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.8%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 52569

Population: 541

💰 Median Household Income
$57,422
This area
$57,422
State
$71,886
USA
$74,580
🏠 Renter Occupied
1.6%
This area
1.6%
State
19.7%
USA
34.0%
💼 Unemployment Rate
2.9%
This area
2.9%
State
0.0%
USA
3.7%
🎓 College Educated
7.5%
This area
7.5%
State
18.8%
USA
33.7%
👤 Median Age
61.6 years
This area
61.6 years
State
40.2 years
USA
38.9 years
🏚️ Vacancy Rate
48.1%
This area
48.1%
State
11.7%
USA
10.5%
👥 Population by Ethnicity
White 96.3%
Other/Mixed 3.3%
Asian 0.3%
👶 Under 18
8.1%
This area
8.1%
USA
22.0%
👴 65 and Over
38.9%
This area
38.9%
USA
17.3%
📊 Poverty Rate
5.4%
This area
5.4%
USA
11.5%

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

What investment strategy works best in Melrose, IA?

Most investors in Melrose, IA run a careful cash-flow rentals with hands-on management strategy. It aligns with the 4.0/5 investability profile and the market fundamentals.

What is the average home sale price in Melrose, IA?

Typical homes in Melrose, IA go for around $127K. The 5-year CAGR of 0.0% consistent price movement.

Is Melrose, IA a smart market for rental property?

The 4.0/5 investability rating in Melrose, IA reflects its $127K prices and $1,071/mo rents. Investors generally consider it a solid option within IA.

How strong is the working-renter base in Melrose, IA?

The renter base in Melrose, IA is reasonable for the $1,071/mo price point. Screening well and pricing to market typically yields measured tenants.

What do rentals go for in Melrose, IA?

Average rent in Melrose, IA is approximately $1,071/mo per month. Against $127K home values that yields a reasonable rent-to-price ratio.

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