Real Estate Investing in Clinton, Iowa (52732)

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

Clinton County • Population: 26,004 • Data updated: September 2026

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Should you buy in 52732 (Clinton, IA)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (72/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
1 flag
  • High vacancy: 14.6% of homes vacant — above national norms.

What’s happening in Clinton, IA (52732)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $135,869
Avg Monthly Rent $775
1% Rule ✗ Does Not Meet
Median Income $55,714
% Renters 31.4%

Market Analysis: 52732 Clinton

The 52732 ZIP in Clinton, IA is a local-operator market. Outside capital chasing a $136K entry has to pair deep knowledge with the discount.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 52732 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

Statewide comparisons place 52732 among IA's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Who lives in 52732 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

The 52732 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Clinton:

B Good
Buy Confidence Score: 77/100
Affordability
25/25
Appreciation
18/25
Stability
13/20
Timing
6/15
Rental backup
15/15
Affordability
Affordable
Homes cost 2.4× the median income
Value Trend
Rising (+7.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $775/mo if you need to move
Market Conditions
WARM
Seller-favorable conditions, steady activity
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
☀️
WARM MARKET
Clinton, IA Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
10.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Clinton, IA metro data
🏠

Property Strategy for 52732

Which property type performs best in this market?

Best for Cash Flow
2BR
7.6% cap rate
Best for Appreciation
5BR
+6.5% 5yr CAGR
Best Overall Value
5BR
$43,358/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $89,451 $940 7.6% +4.9% $44,725
3BR $137,844 $1,160 6.1% +5.6% $45,948
4BR $176,520 $1,480 6.0% +6.0% $44,130
5BR $216,792 +6.5% $43,358

Market Trends

Home Value History (with trend line)

$140K$128K$115K$103K$91K$78KMar 2009Nov 2017Jul 2026

Rent History (with trend line)

$1,058$993$928$863$798$733Oct 2025Mar 2026Jul 2026

📊 How Does 52732 Compare?

Metric 52732 Clinton Clinton, IA Iowa
Home Value $135,869 $135,869 N/A $227,232
5-Year CAGR 4.4% 4.4% N/A 6.0%
Avg Rent $775 $775 N/A -
Cap Rate 4.5% 4.5% - -
💡 Why Invest in 52732? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 52732 (Clinton, IA). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.5%
Fair
5yr Growth
+4.4%
Moderate

📉 Market Crash Risk Index

Based on Clinton, IA metro

1/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
1/3
55%
Days Pending
0/2
0 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $135,869
Monthly Rent $775
Price-to-Rent 14.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.8%
Cap Rate 4.5%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +7.6% ▲
3-Year CAGR +3.0% ▲
5-Year CAGR +4.4% ▲
10-Year CAGR +3.8% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.5%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.5%). 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.

Vacancy
14.6%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 52732

Population: 26,004

💰 Median Household Income
$55,714
This area
$55,714
State
$71,886
USA
$74,580
🏠 Renter Occupied
31.4%
This area
31.4%
State
19.7%
USA
34.0%
💼 Unemployment Rate
2.8%
This area
2.8%
State
0.0%
USA
3.7%
🎓 College Educated
20.0%
This area
20.0%
State
18.8%
USA
33.7%
👤 Median Age
42.9 years
This area
42.9 years
State
40.2 years
USA
38.9 years
🏚️ Vacancy Rate
14.6%
This area
14.6%
State
11.7%
USA
10.5%
👥 Population by Ethnicity
White 88.8%
Other/Mixed 5.9%
Black/African American 5.0%
Hispanic/Latino 2.3%
Asian 0.3%
👶 Under 18
21.1%
This area
21.1%
USA
22.0%
👴 65 and Over
20.1%
This area
20.1%
USA
17.3%
📊 Poverty Rate
11.2%
This area
11.2%
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

🎓 Schools in 52732

A+ Avg School Grade
6 Schools
12.1:1 Avg Class Size
$19,960 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Bluff Elementary School

📚 Pre-K – 05 Elementary
👥
391 Students
👨‍🏫
12.0:1 Class Size
💰
$19,960 Per Student
A+ Excellent

Eagle Heights Elementary School

📚 Pre-K – 05 Elementary
👥
447 Students
👨‍🏫
11.8:1 Class Size
💰
$19,960 Per Student
A+ Excellent

Jefferson Elementary School

📚 Pre-K – 05 Elementary
👥
357 Students
👨‍🏫
10.6:1 Class Size
💰
$19,960 Per Student
A+ Excellent

Whittier Elementary School

📚 K – 05 Elementary
👥
337 Students
👨‍🏫
11.6:1 Class Size
💰
$19,960 Per Student
A+ Excellent

Clinton Middle School

📚 06 – 08 Middle
👥
753 Students
👨‍🏫
13.2:1 Class Size
💰
$19,960 Per Student
A Very Good

Clinton High School

📚 09 – 12 High School
👥
947 Students
👨‍🏫
13.4:1 Class Size
💰
$19,960 Per Student
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.

Frequently Asked Questions

Is Clinton, IA a good market for buy-and-hold investors?

Investors tracking Clinton, IA will find a 3.0/5 rating supported by $136K median home values and $775/mo rents. That profile suits long-term holders targeting measured returns.

Do rentals sit vacant long in Clinton, IA?

Rental vacancy in Clinton, IA is elevated. Investors should budget normal turnover but not chronic empty units.

Is Clinton, IA good for landlords?

Clinton, IA falls under IA landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Which investment style suits Clinton, IA?

Investors usually favor careful cash-flow rentals with hands-on management in Clinton, IA. With home values at $136K and rents near $775/mo, other strategies can work but produce predictable rather than outsized returns.

What do landlords charge for rent in Clinton, IA?

Expect rents around $775/mo per month in Clinton, IA. With home values at $136K, the yield math works out to reasonable levels for rental investors.

You know 52732 now. You don’t know where it ranks.

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How 52732 ranks in Clinton, IA

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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