Real Estate Investing in Mount Union, Iowa (52644)
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Should you buy in 52644 (Mount Union, IA)? Our answer, based on the numbers below.
Mixed — values have been flat. OK for long-horizon buyers, less attractive if you may need to sell soon.
Structural challenges here. The numbers may look cheap but operational risk is high. Only for experienced, hands-on investors.
No major risk flags on the data we track.
• 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 Mount Union, IA (52644)?
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Market Analysis: 52644 Mount Union
The 52644 ZIP covers a section of Mount Union that demands careful diligence. Prices near $213K look accessible, but the work to make a deal cash flow is real.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 52644 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
Meanwhile, 52644 offers a low basis, the region around Mount Union has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Employment concentration in 52644 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.
Distressed ZIPs reward experience. impressive returns are possible in 52644, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Mount Union:
Market Trends
Home Value History (with trend line)
📊 How Does 52644 Compare?
| Metric | 52644 | Mount Union | Burlington, IA-IL | Iowa |
|---|---|---|---|---|
| Home Value | $212,805 | $212,805 | N/A | $227,232 |
| 5-Year CAGR | N/A | N/A | N/A | 6.0% |
| Avg Rent | $873 | $873 | N/A | - |
| Cap Rate | 3.2% | 3.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 52644 (Mount Union, IA). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $212,805 |
| Monthly Rent | $873 |
| Price-to-Rent | 20.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | +12.7% ▲ |
| 3-Year CAGR | +5.4% ▲ |
| 5-Year CAGR | N/A |
| 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 (3.2%). 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 52644
Population: 393
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
Is Mount Union, IA better for rentals, flips, or BRRRR?
For Mount Union, IA, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Is Mount Union, IA a friendly market for rental owners?
For rental operators, Mount Union, IA rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
What kind of tenants rent in Mount Union, IA?
Mount Union, IA offers a steady renter base at the $873/mo rent level. Tenant turnover is reasonable for well-managed properties.
Does Mount Union, IA make sense for an investment property?
The 2.0/5 investability rating in Mount Union, IA reflects its $213K prices and $873/mo rents. Investors generally consider it a solid option within IA.
Is Mount Union, IA good for house hacking?
House hacking in Mount Union, IA is a challenging. With home values around $213K and rents at $873/mo, owner-occupants can offset a meaningful share of PITI.
You know 52644 now. You don’t know where it ranks.
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How 52644 ranks in Burlington, IA-IL
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