HousingHandbookReference data

U.S. ZIP Code · IA50651

Black Hawk County · Waterloo-Cedar Falls, IA

Typical home value

$233,735[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.8%
5-year / yr
+5.9%
10-year / yr
+4.7%

Relative price

vs U.S.
-17.7%
vs metro
+6.8%
vs state
+14.2%
ZIP 50651 location in IA
Location of ZIP 50651 in IA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 50651 is worth $233,735 — 6.8% above the Waterloo-Cedar Falls, IA median. Over the past year, values have risen 2.8%. The effective property tax rate is 1.1%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.1%[3]
Typical annual tax
$2,672[3]

#Climate risk

FEMA National Risk Index ratings for Black Hawk County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively High
Heat wave
Relatively Low
Hurricane
Very Low
Tornado
Relatively High
Earthquake
Very Low
Winter weather
Relatively High

#Who lives here

Population
3,147[3]
Median household income
$88,333[3]

#Migration

Household moves in and out of Black Hawk County over a year, from IRS tax-return data.

Net migration
-25[5]
Moved in
2,851
Moved out
2,876

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
2
Elementary
1
Middle
0
High
1
  • Union High School

    High · Grades 9–12 · Union Comm School District

    315 students

  • La Porte City Elementary School

    Elementary · Grades PK–5 · Union Comm School District

    264 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,182
Loan principal$186,988
Down payment$46,747
Total interest paid$238,493

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$1,599
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
54th percentile[1]
Rental yield
[2]
Property tax
38th percentile[3]

Frequently asked

How much is a home worth in ZIP code 50651?
The typical home in 50651 is worth $233,735, based on the Zillow Home Value Index.
Are home values rising in 50651?
Home values in 50651 are up 2.8% over the past year, and up 5.9% a year over five years.
What is the property tax rate in 50651?
The effective property tax rate in 50651 is 1.1% — roughly $2,672 a year on a typical home.
Who lives in 50651?
ZIP code 50651 has a population of 3,147 and a median household income of $88,333.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Dunkerton, IA

    Typical home
    $236,763
    Gross yield
  • Raymond, IA

    Typical home
    $241,069
    Gross yield
  • Conrad, IA

    Typical home
    $221,003
    Gross yield
  • Plainfield, IA

    Typical home
    $219,060
    Gross yield
  • Readlyn, IA

    Typical home
    $218,869
    Gross yield
  • Gilbertville, IA

    Typical home
    $214,826
    Gross yield

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