Sergeant Bluff, IA—51054
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Sergeant Bluff, IA
As of Oct '25, the median home price in Sergeant Bluff, IA is $349,000, with a year-over-year change of 4.5%. This indicates that home prices in Sergeant Bluff, IA are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $349,000 | 4.5% |
| Single Family | $351,000 | 4.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $337,000 | 4.3% |
4 Bed | $377,000 | 3.9% |
| 5 Bed | $439,000 | 3.1% |
% of Housing Stock
Rental Trends — Sergeant Bluff, IA
As of July '25, Rentcast reports the average rent in Sergeant Bluff, IA is $1,430, with a year-over-year rent change of 54.6%. Per bedroom, the median rent as of July '25 in Sergeant Bluff, IA is 3-bedrooms: $1,250, 4-bedrooms: $1,800. The most common rental property sizes in Sergeant Bluff, IA are 3-bedroom and 1-bedroom, accounting for 62.0% and 17.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,430 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | $1,250 | $1,250 |
| 4 Bed Rent | $1,800 | $1,800 |
% of Rental Stock
Property Listings — Sergeant Bluff, IA
As of Oct '25, Realtor.com reports that the median days on market for a home in Sergeant Bluff, IA is 94. This is a increase of 155.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 12.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $408,000 | -8.0% |
Listing Count | 17 | 24.0% |
| Listings as % of Homes | 0.5% | 24.0% |
Days on Market | 94 | 155.0% |
Demographics — Sergeant Bluff, IA
As of the latest ACS Survey released in 2023, Sergeant Bluff, IA has a population of 5,600, which has remained stable by -0.7% over the past 5 years. Sergeant Bluff, IA is a popular place for families, as children make up 30.1% of the population. The area has a moderately educated workforce, with 38.3% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,600 | -0.7% |
% Under 18 | 30.1% | -2.6% |
% Seniors | 12.1% | -4.0% |
% WFH | 5.2% | 36.8% |
% w/ College Degree | 38.3% | 13.6% |
As of the latest ACS Survey released in 2023, Sergeant Bluff, IA is a predominantly white area, with 88.6% of the population identifying as white. The white population has shrunk by 2.5% in the last 5 years. The second most common race or ethnicity in Sergeant Bluff, IA is asian, making up 3.4% of the population. Foreign-born residents account for 3.5% of the population in Sergeant Bluff, IA, and this percentage has increased by 66.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 88.6% | -2.5% |
% Black | 1.0% | ∞% |
% Hispanic | 2.6% | -18.8% |
% Asian | 3.4% | 750.0% |
% Foreign Born | 3.5% | 66.7% |
Mortgage and Risk — Sergeant Bluff, IA
According to HUD data as of 2023, there were 92 mortgage originations in Sergeant Bluff, IA, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 65.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Sergeant Bluff, IA. Investor activity is low, as 2.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 92 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — Sergeant Bluff, IA
Sergeant Bluff, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 42 |
Total Units Section 8 | 42 |
% Rentals under Section 8 | 9.4% |
% Occupied Section 8 | 81.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,010 |
| 2 Bedroom | N/A | N/A | $1,290 |
| 3 Bedroom | $310 | $1,250 | $1,560 |
| 4 Bedroom | -$90 | $1,800 | $1,710 |
Affordability — Sergeant Bluff, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.6 |
| Median Home Price | $349,000 |
| Median Household Income | $121,000 |