Duplex
526 W 8th St · Cedar Falls, IA
Flood risk 1/10 · Minimal
- FEMA flood zone
- X (unshaded)
- Chance of flooding over 30 yrs
- 0.0%
- Est. flood insurance / yr
- $473 – $860
Fire risk 1/10 · Minimal
- Est. fire insurance / yr
- $902 – $1,676
Heat risk 3/10 · Minor
- Hot days now (above 101°F)
- 7 days/yr
- Hot days in 30 yrs
- 15 days/yr
Wind risk 2/10 · Minimal
- Chance of severe wind over 30 yrs
- —
Air-quality risk 1/10 · Minimal
- Unhealthy air days now
- 0 days/yr
- Unhealthy air days in 30 yrs
- 0 days/yr
Risk factors via First Street. Map © Google.
Why this score? — see what drove the A- grade
The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).
- Cash flow +30.0/30.0
- ARV discount +15.0/15.0
- 1% rule +10.0/10.0
- DSCR +10.0/10.0
- Schools +7.4/10.0
- Livability +4.0/5.0
- Rent growth +3.0/5.0
- Condition / age +2.2/5.0
- Appreciation +0.0/10.0
$164,900
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Multi-family units
County records classify this as Multi-Family (2-4 Unit). Listing-text estimate: 2 units. confirmed
Listing remarks MLS
Welcome to this charming duplex nestled in the heart of Cedar Falls! Boasting a prime location, both units are currently occupied, making this property an excellent investment opportunity. Whether you're looking for a short-term rental, long-term rental, or desire to live in one unit while renting out the other, this duplex offers endless possibilities. Act now this will not last long.
Key facts
- Immediate cash flow
- Strong rental demand
- 8,712 sq ft lot
Tags
Neighborhood map
What this means for you Summary
Snapshot
- This is a 2 × 2-bed/1-bath units multifamily listed at $165k. Condition is rated fair.
Deal economics
- At list price, monthly cash flow is $1k ($13k/yr) — positive. Per door: $556/mo.
- The deal already cash-flows at list — no discount required.
- Meets the 1% rule at list price ($3k rent vs $165k).
- Recommended offer: $145k (12.0% below list) — sets the bar for market timing.
- Cap rate 14.4% vs local median 3.1% in Cedar Falls — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.
Location & tenants
- Location reads 81/100 on livability (#60 in IA, #1,357 nationally) — a professional / high-income tenant draw. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, commute F.
- Cedar Falls Community School District (urban): math 76% / reading 79% proficiency, ranked #45 of 289 in IA (top 16%) — strong family-tenant draw, lease renewals of 3-5y typical; only 18% free/reduced lunch — higher-income household profile.
- Zoned schools: Lincoln Elementary School (math 66% / reading 71%, grade B+, #266 of 616 statewide, top 43%, 453 students, 45% FRL); Holmes Junior High School (math 79% / reading 78%, grade A+, #44 of 246 statewide, top 19%, 639 students, 28% FRL); Cedar Falls High School (math 74% / reading 78%, grade A-, #75 of 336 statewide, top 23%, 1,302 students, 24% FRL).
- Market conditions: Rents rising (+2.0%/yr); 598 active listings in the ZIP; solid renter incomes; 287 units permitted in Black Hawk County in 2024 (67 in 5+ unit buildings).
Forward outlook
- Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
- Black Hawk County population projected at +10% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
- At projected returns (-3.0% appreciation + 2.0% rent growth), your $46k cash investment doubles in ~5 years — after that, you're playing with house money.
Negotiation context
- It's been on market 127 days — a 12% lower offer ($145k) is reasonable based on typical stale-listing flexibility.
- 7 sale attempts since 6y ago; this cycle's ask has dropped $15k (8%) from the opening price — seller is motivated, your offer sets the floor, not the list.
Risks & watch-outs
- Watch-outs: built in 1900 — expect roof / HVAC / electrical / plumbing capex.
Questions for the listing agent
- It's been on market 127 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
- Can we see the unit-by-unit rent roll, current vacancy, and any below-market leases? What's the average tenancy length?
- What capital expenditures (roof, boiler, parking lot, exteriors) have been made in the last 5 years, and what's planned in the next 2?
- Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
- Built in 1900 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- Schools are A-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
- What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
- What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
- How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.
Investment metrics
- 1% rule
- 1.80% ✓
- Cap rate
- 14.39%
- Cash-on-cash
- 28.92%
- DSCR
- 2.29
- GRM
- 4.6
CMA / ARV
- ARV (median comp)
- $307,400
- List price
- $164,900
- Delta
- -46.36%
- Verdict
- UNDERPRICED
- Comps
- 2 within 2.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 1029 W 13 St | 0.44mi | 4/2.0 (-1) | 2,304 (+4%) | 2mo | $339,000 | $147 | 65 |
| 2621 W 4th St | 1.33mi | 4/2.0 (-1) | 2,242 (+2%) | 2mo | $260,000 | $116 | 56 |
| 1815 Clay St | 0.68mi | 4/2.5 (-1) | 2,110 (-4%) | 2mo | $250,000 | $118 | 52 |
| 711 Hearthside Dr | 1.08mi | 4/3.0 (-1) | 2,250 (+2%) | 2mo | $332,500 | $148 | 51 |
| 625 Baker Dr | 1.09mi | 5/2.5 | 2,064 (-6%) | 2mo | $345,000 | $167 | 50 |
| 2208 Oxford Ln | 1.06mi | 4/2.0 (-1) | 2,095 (-5%) | 2mo | $360,000 | $172 | 50 |
| 1509 W 8th St | 0.60mi | 4/2.0 (-1) | 1,938 (-12%) | 1mo | $252,000 | $130 | 45 |
| 1510 W 6th St | 0.61mi | 4/2.0 (-1) | 1,924 (-13%) | 0mo | $204,000 | $106 | 45 |
| 2507 W 4th St St Unit 2507 & 2509 | 1.23mi | 6/2.0 (+1) | 2,441 (+11%) | 0mo | $290,000 | $119 | 42 |
| 904 Columbia Dr | 0.62mi | 4/2.0 (-1) | 2,664 (+21%) | 3mo | $385,000 | $145 | 39 |
| 1931 Belle Ave. Ave | 1.20mi | 4/2.0 (-1) | 1,692 (-23%) | 1mo | $226,750 | $134 | 34 |
| 1703 Belle Ave | 1.11mi | 4/1.5 (-1) | 1,918 (-13%) | 3mo | $262,500 | $137 | 34 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 1.97% rent growth · sell at horizon
- IRR
- 22.1%
- Equity multiple
- 1.89×
- Total profit
- $41,197
- Equity at exit
- $24,587
- IRR
- 29.4%
- Equity multiple
- 3.50×
- Total profit
- $115,298
- Equity at exit
- $14,258
Cash invested: $46,172 (down + closing). Projections, not guarantees.
Landlord ↔ Tenant lean methodology
- Overall (STATE)
- 83 Strongly Landlord-Friendly
- State Iowa
- 83 Strongly Landlord-Friendly · R+6
- County
- — inherits STATE
- City
- — inherits STATE
Active competition Active MLS
- For sale now
- 1 active
- Median asking
- $250,000 ($110/sqft)
- Median days on market
- 58 d
- This list price
- lowest-priced of the active set
- ARV vs active asking
- +27.1% above current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 50613
- Rents YoY
- 2.0%
- Active inventory
- 598
- Price-to-rent
- 9.3×
Monthly cashflow live
- Estimated rent
- $2,965 high interval (Pro) →
- Mortgage (P&I)
- −$865
- Tax from tax record
- −$296 /mo · $3,556/yr
- Insurance
- −$69
- HOA
- −$0
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$623
- Net cashflow
- $1,113
2-unit breakdown (identical units grouped — click to expand)
| Units | Beds | Baths | Est. rent |
|---|---|---|---|
| 2× units | 2 | 1 | $2,966 |
| #1 | 2 | 1 | $1,483 |
| #2 | 2 | 1 | $1,483 |
| Total (2 units) | $2,965 | ||
Break-even live
Sensitivity live
| Price | -10% $1,206 | -5% $1,159 | +0% $1,113 | +5% $1,066 | +10% $1,019 |
|---|---|---|---|---|---|
| Rent | -10% $878 | -5% $995 | +0% $1,113 | +5% $1,230 | +10% $1,347 |
| Rate | -1.0pp $1,196 | -0.5pp $1,154 | base $1,113 | +0.5pp $1,070 | +1.0pp $1,026 |
UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt
Financing live
Cash to close
- Down payment
- $41,225
- Closing costs
- $4,947
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 411 W 7th St Cedar Falls, IA | 2.0 | 1.0 | — | $950 | — | 5d | 1 | 0.14mi |
| 721 1/2 Olive St Cedar Falls, IA | 1.0 | 1.0 | — | $625 | — | 116d | 1 | 0.16mi |
| 309 W 10th St Cedar Falls, IA | 3.0 | 1.5 | 852 | $1,300 | $1.53 | 139d | 1 | 0.18mi |
| 820 Clay St Cedar Falls, IA | 2.0 | 2.0 | 1140 | $1,850 | $1.62 | 5d | 1 | 0.21mi |
| 611 W 12th St Apt A Cedar Falls, IA | 1.0 | 1.0 | — | $730 | — | 4d | 1 | 0.22mi |
| 828 Clay St Unit 828 Clay Cedar Falls, IA | 2.0 | 2.0 | 1140 | $1,850 | $1.62 | 5d | 1 | 0.22mi |
| 840 Clay St Cedar Falls, IA | 2.0 | 2.5 | 1478 | $2,295 | $1.55 | 5d | 1 | 0.22mi |
| 852 Clay St Cedar Falls, IA | 2.0 | 2.5 | 1478 | $2,295 | $1.55 | 5d | 1 | 0.22mi |
| 1012 Clay St Unit 1012 Cedar Falls, IA | 2.0 | 1.0 | 1076 | $1,200 | $1.12 | 5d | 1 | 0.24mi |
| 615 College St Cedar Falls, IA | 2.0 | 2.0 | 936 | $2,000 | $2.14 | 5d | 1 | 0.25mi |
| 421 Washington St Unit 2 Cedar Falls, IA | 2.0 | 1.0 | 1200 | $1,400 | $1.17 | 5d | 1 | 0.34mi |
| 321 Clay St Cedar Falls, IA | 2.0 | 1.0 | 900 | $950 | $1.06 | 0d | 1 | 0.34mi |
| 716 Main St Unit 1A Cedar Falls, IA | 1.0 | 1.0 | 625 | $1,370 | $2.19 | 5d | 1 | 0.35mi |
| 1103 Main St Unit 1 Cedar Falls, IA | 2.0 | 1.0 | — | $1,200 | — | 5d | 1 | 0.36mi |
| 1014 Main St Cedar Falls, IA | 2.0 | 1.0 | 1400 | $1,500 | $1.07 | 139d | 1 | 0.37mi |
| 210 Iowa St Unit 4 Cedar Falls, IA | 3.0 | 1.0 | 800 | $1,600 | $2.00 | 116d | 1 | 0.38mi |
| 703 State St Unit 123 Cedar Falls, IA | 3.0 | 1.0 | 1478 | $1,175 | $0.79 | 5d | 1 | 0.39mi |
| 119 Tremont St Cedar Falls, IA | 2.0 | 1.0 | 1076 | $1,300 | $1.21 | 5d | 1 | 0.43mi |
| 221 E 5th St #309 Cedar Falls, IA | 2.0 | 2.0 | 1115 | $1,650 | $1.48 | 5d | 1 | 0.49mi |
| 221 E 5th St #209 Cedar Falls, IA | 2.0 | 2.0 | 1200 | $2,000 | $1.67 | 139d | 1 | 0.49mi |
| 1411 Main St Cedar Falls, IA | 3.0 | 1.0 | — | $1,350 | — | 139d | 1 | 0.49mi |
| 201 Main St Unit 6 Cedar Falls, IA | 1.0 | 1.0 | — | $625 | — | 5d | 1 | 0.50mi |
| 200 W 1st St Cedar Falls, IA | 1.0–2.0 | 1.0–2.0 | 702 | $1,900 | $2.70 | 0d | 2 | 0.51mi |
| 1604 College St Cedar Falls, IA | 2.0 | 1.0 | 993 | $1,300 | $1.31 | 5d | 1 | 0.53mi |
| 200 State St Cedar Falls, IA | 1.0 | 1.0 | 861 | $1,600 | $1.86 | 139d | 1 | 0.55mi |
| 300 State St Cedar Falls, IA | 2.0 | 1.0 | 1000 | $1,735 | $1.74 | 0d | 4 | 0.59mi |
| 1100 Grove St #2 Cedar Falls, IA | 2.0 | 1.0 | 830 | $1,000 | $1.20 | 139d | 1 | 0.60mi |
| 1100 Grove St #31 Cedar Falls, IA | 2.0 | 1.0 | 830 | $1,100 | $1.33 | 139d | 1 | 0.60mi |
| 1209 W 1st St Cedar Falls, IA | 2.0 | 1.0 | 672 | $1,350 | $2.01 | 3d | 1 | 0.63mi |
| 804 W 18th St Cedar Falls, IA | 3.0 | 1.0 | — | $1,200 | — | 5d | 1 | 0.64mi |
| 1323 W 2nd St Cedar Falls, IA | 3.0 | 2.0 | 1436 | $1,800 | $1.25 | 3d | 1 | 0.65mi |
| 1612 W 7th St Cedar Falls, IA | 2.0 | 1.5 | 1200 | $1,175 | $0.98 | 5d | 1 | 0.66mi |
| 1915 Main St Cedar Falls, IA | 2.0 | 1.0 | 960 | $1,050 | $1.09 | 139d | 1 | 0.77mi |
| 803 W 20th St Unit 4 Cedar Falls, IA | 1.0 | 1.0 | 800 | $750 | $0.94 | 5d | 1 | 0.78mi |
| 1320-1322 Delta Dr Unit 1322 (South Side) Cedar Falls, IA | 3.0 | 2.0 | 1664 | $1,350 | $0.81 | 139d | 1 | 0.78mi |
| 1939 College St Cedar Falls, IA | 1.0–2.0 | 1.0 | 811 | $930 | $1.15 | 3d | 2 | 0.79mi |
| 1902 Campus St Cedar Falls, IA | 3.0 | 2.0 | 1300 | $1,050 | $0.81 | 0d | 3 | 0.80mi |
| 1330 Delta Dr Cedar Falls, IA | 3.0 | 2.0 | 1500 | $1,300 | $0.87 | 5d | 1 | 0.81mi |
| 1817 Alden Ave Cedar Falls, IA | 3.0 | 1.5 | 1566 | $1,350 | $0.86 | 5d | 1 | 0.83mi |
| 1823-1825 Alden Ave Unit 1825 Cedar Falls, IA | 2.0 | 1.0 | 1133 | $1,250 | $1.10 | 139d | 1 | 0.84mi |
Property features AI
Finance
- Financial info
- Unit rents listed: one unit at $1,000, one unit at $900
Exterior
- Parking
- Five open parking spacesAssigned parking on paved surface
- Utilities
- Public waterPublic sewer
- Home design
- Residential income property (duplex)
- Construction
- Vinyl siding exteriorAsphalt roof
- Exterior features
- Asphalt roofVinyl sidingLot approximately 66 x 132 (about 0.2 acre)Zoned R-2
Interior
- Bedrooms
- One unit with 3 bedroomsOne unit with 2 bedrooms
- Heating & cooling
- Central air
- Interior features
- Central air conditioningWasher hookup and gas dryer hookup
- Laundry & utility
- Washer hookupGas dryer hookup
Listing history 50 events
-
2026-09-24days on market $164,900 Active 127 DOM
-
2026-09-22days on market $164,900 Active 126 DOM
-
2026-09-21days on market $164,900 Active 125 DOM
-
2026-09-20days on market $164,900 Active 124 DOM
-
2026-09-19days on market $164,900 Active 123 DOM
-
2026-09-18days on market $164,900 Active 122 DOM
-
2026-09-17days on market $164,900 Active 121 DOM
-
2026-09-16days on market $164,900 Active 120 DOM
-
2026-09-15days on market $164,900 Active 119 DOM
-
2026-09-14days on market $164,900 Active 118 DOM
-
2026-09-13days on market $164,900 Active 117 DOM
-
2026-09-12days on market $164,900 Active 116 DOM
-
2026-09-11pricedays on market $164,900 Active 115 DOM
-
2026-09-05days on market $179,900 Active 109 DOM
-
2026-09-04days on market $179,900 Active 108 DOM
-
2026-09-03days on market $179,900 Active 107 DOM
-
2026-08-31days on market $179,900 Active 104 DOM
-
2026-08-30days on market $179,900 Active 103 DOM
-
2026-08-29days on market $179,900 Active 102 DOM
-
2026-08-28days on market $179,900 Active 101 DOM
-
2026-08-27days on market $179,900 Active 100 DOM
-
2026-08-26days on market $179,900 Active 99 DOM
-
2026-08-25days on market $179,900 Active 98 DOM
-
2026-08-24days on market $179,900 Active 97 DOM
-
2026-08-23days on market $179,900 Active 96 DOM
-
2026-08-22days on market $179,900 Active 95 DOM
-
2026-08-21days on market $179,900 Active 94 DOM
-
2026-08-20days on market $179,900 Active 93 DOM
-
2026-08-19days on market $179,900 Active 92 DOM
-
2026-08-18days on market $179,900 Active 91 DOM
-
2026-08-17days on market $179,900 Active 90 DOM
-
2026-08-16days on market $179,900 Active 89 DOM
-
2026-08-15days on market $179,900 Active 88 DOM
-
2026-08-14days on market $179,900 Active 87 DOM
-
2026-08-13days on market $179,900 Active 86 DOM
-
2026-08-12days on market $179,900 Active 85 DOM
-
2026-08-11days on market $179,900 Active 84 DOM
-
2026-08-10days on market $179,900 Active 83 DOM
-
2026-08-09days on market $179,900 Active 82 DOM
-
2026-08-08days on market $179,900 Active 81 DOM
-
2026-08-07days on market $179,900 Active 80 DOM
-
2026-08-06days on market $179,900 Active 79 DOM
-
2026-08-05days on market $179,900 Active 78 DOM
-
2026-08-04days on market $179,900 Active 77 DOM
-
2026-08-03days on market $179,900 Active 76 DOM
-
2026-07-31days on market $179,900 Active 73 DOM
-
2026-07-30days on market $179,900 Active 72 DOM
-
2026-07-29days on market $179,900 Active 71 DOM
-
2026-07-27days on market $179,900 Active 69 DOM
-
2026-07-25days on market $179,900 Active 67 DOM
ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot
backfill from property_details.listing_events for pre-trigger history.
Tax reassessment forecast IA · Partial reset (capped growth)
- Current annual tax
- $3,556 · $296/mo
- Projected year-2 tax
- $3,556 · $296/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Climate risk First Street
- Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
- Wildfire 1/10 Low
- Heat 3/10 Moderate 7 d/yr ≥101°F today · 15 d/yr by 30 yrs out
- Wind 2/10 Low
- Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $35,580
- − Mortgage interest
- −$9,237
- − Property taxes
- −$3,556
- − Insurance
- −$824
- − Repairs & maintenance
- −$2,846
- − Management
- −$2,846
- − Depreciation
- −$4,797
- Taxable income
- $11,473
- Est. tax owed @ 24.0%
- −$2,753
- After-tax cash flow
- $10,597/yr
For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.
Condition & rehab AI · 9 photos
This multi-family property requires moderate repairs, particularly to the carpet and landscaping, to improve its resale and rental value.
Components & finishes AI
Deferred maintenance Est. $2,500–$10,000 screening
- Minor Roof (roof) — No visible signs of damage or wear
- Minor Windows (windows) — No visible signs of damage or wear
- Minor Electrical (electrical) — No visible signs of damage or wear
- Minor Plumbing (plumbing) — No visible signs of damage or wear
- Minor Exterior (exterior) — No visible signs of damage or wear
Repairs flagged
- Major Carpet — Worn and needs replacement
- Moderate Landscaping — Overgrown and needs trimming
Value-add opportunities
- Both Replace carpet — Fresh carpet would improve both resale and rental appeal ↑
- Both Landscaping — Well-maintained landscaping enhances curb appeal ↑
ⓘ Rehab cost is a screening estimate — Moderate scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
Zoned Schools
Schools (NCES district)
- District
- Cedar Falls Community School District
- NCES district ID
- 1906510
- Math proficiency
- 76% ▼ -6.00%
- Reading proficiency
- 79% ▼ -2.00%
- Median HH income
- $53,634
- Composite
- 65.93/100
- National rank
- #443
- State rank
- #45 of 289 in IA
Livability — Cedar Falls
- Score
- 81/100
- State rank
- #60
- US rank
- #1357
Category grades
Schools grade is shown separately in the Schools card above.
Census & demographics
- Census place
- Cedar Falls, IA
- County
- Black Hawk County · 139,716 people
- City population
- 43,867
- Metro
- Waterloo-Cedar Falls, IA
- Population (ZIP)
- 43,867
- Household income
- $78,503
- Rent vs Own
- Severe rent burden
- 10% of renters
Population outlook (Black Hawk County) Hauer SSP2
- Today (2025)
- 139,716 people
- By 2030
- 142,853 · +2.2%
- By 2040
- 147,843 · +5.8%
- By 2050
- 153,247 · +9.7%
- By 2075
- 167,977 · +20.2%
- By 2100
- 177,320 · +26.9%
Race, ethnicity, and origin ACS 2023
- Neighborhood character
- Predominantly White (90%)
- Race & ethnicity
- White 90% Asian 3% Two or more races 3% Hispanic / Latino 3% Black 1%
- Common ancestry
- Portuguese 6% Italian 3% Iranian 3%
- Foreign-born
- 4% · Canada, South Korea
- Languages at home
- 95% English-only · Spanish 2% Russian/Polish/Slavic 1% Other Indo-European 1%
Political lean MEDSL · Black Hawk
- 2024 margin
- Toss-up / Even · D 50.0% · R 48.8% · Other 1.2%
- 2008→2024 swing
- -21.3pp toward R · 2008: 22.4pp · 2024: 1.2pp
- All cycles
- 2024: D+1.2 2020: D+9.0 2016: D+7.3 2012: D+20.0 2008: D+22.4
Not yet ingested
- Civics
- —
Market trends
- HPI YoY
- ▼ -175.51%
- Current HPI
- 169.0591
- Rent YoY
- ▲ 1.97%
- Metro
- Waterloo-Cedar Falls, IA
- State GDP YoY
- ▲ 2.48%
- F500 in state
- 4
Industry mix (Fortune 500 HQ in IA)
| Industry | F500 HQs | Revenue |
|---|---|---|
| Financial Services | 1 | $16B |
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| Retail / Convenience | 1 | $15B |
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Price history
+12.5% since first listed20 events — show timeline
- 2026-05-19 Listed $179,900 NEIRBR as distributed by MLS GRID
- 2026-02-03 Price Changed $184,900 NEIRBR as distributed by MLS GRID
- 2025-10-28 Price Changed $189,900 NEIRBR as distributed by MLS GRID
- 2024-07-24 Rental Removed $900 APPFOLIO
- 2024-07-18 Listed for Rent $900 APPFOLIO
- 2024-07-17 Rental Removed $900 RENT.
- 2024-06-26 Listed for Rent $900 RENT.
- 2024-03-19 Sold (Public Records) $165,062 Public Records
- 2024-03-17 Rental Removed $900 APPFOLIO
- 2024-03-15 Rental Removed $900 RENT.
- 2024-03-13 Listed for Rent $900 APPFOLIO
- 2024-03-12 Listed for Rent $900 RENT.
- 2024-03-08 Sold (MLS) $165,000 NEIRBR as distributed by MLS GRID
- 2024-01-31 Pending — NEIRBR as distributed by MLS GRID
- 2024-01-29 Price Changed $169,900 NEIRBR as distributed by MLS GRID
- 2023-08-23 Price Changed $194,900 NEIRBR as distributed by MLS GRID
- 2023-07-18 Listed $199,900 NEIRBR as distributed by MLS GRID
- 2021-10-29 Sold (Public Records) $157,500 Public Records
- 2021-07-06 Sold (Public Records) $140,000 Public Records
- 2020-07-17 Listed $159,900 ICAARMLS
Property tax history
+2.6%/yrLatest (2025): $3,556 · +2.9% YoY. Source: county tax records.
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…