The story of this market
The typical home in ZIP 52049 sells for about $162,500, or $105 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $881 a month.
ZIP 52049 — Garnavillo
The housing market in 52049 is characterized by low inventory and steady, modest price appreciation. Sales volume remains limited due to the small size of the community, with demand primarily driven by local residents and those seeking rural affordability.
This ZIP is best suited for families and retirees seeking a quiet, affordable rural lifestyle with access to river-based recreation and a tight-knit community.
Median prices moved up 2.1% year over year.
Homes spend a median of 42 days on market with 8.4 months of supply — a balanced-paced market.
12% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 1.9% · poverty 9.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 52049, Clayton County IA
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in Garnavillo are generally low, consistent with rural Clayton County trends and significantly below national averages.
The area is served by the Clayton Ridge Community School District, which maintains a stable academic reputation typical of small-town Iowa districts.
The region faces moderate risk from severe weather, including wind and occasional flooding near the Mississippi River corridor; standard insurance coverage is generally available.
Economic momentum is driven by local agriculture, small-scale manufacturing, and regional tourism, with limited large-scale industrial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Iowa) — Iowa Property Tax Assessment Limitation: The taxable value is determined by applying an assessment limitation (rollback) to the assessed market value. The limitation is calculated annually to restrict the growth in aggregate taxable value for the residential class to 3% statewide.
Commutes are primarily by private vehicle, with residents traveling to regional employment hubs like Dubuque or Prairie du Chien via local highways.
The area offers access to outdoor recreation including Mississippi River fishing, local parks, and proximity to regional trails and golf courses.
The rental market is characterized by low inventory and steady demand from local workers, with limited short-term rental saturation.
The local economy is anchored by agricultural production, small-business retail, and regional public services.
Transportation is heavily reliant on personal vehicles, with Highway 52 serving as the primary corridor for regional connectivity.
Development is primarily focused on small-scale residential improvements and maintenance of existing infrastructure.
Clayton County Assessor manages property valuations based on state-mandated assessment cycles.
Parcels are subject to Clayton Ridge Community School District levies and standard county-level service districts.
Property insurance remains stable, though premiums are influenced by regional exposure to severe weather events.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Local community park providing green space and recreational facilities.
Provides regional access for boating, fishing, and outdoor recreation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.