52601 — Des Moines County, Iowa Market Snapshot
Housing market data for zip code 52601 in Des Moines County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
122 sales in 2026 (year to date)
Median Sale Price
$123,250
Days to Sell
64
Homes Sold
122
Inventory
122
Sale-to-List
93.4%
New Listings
140
Price/SqFt
$86
Pending Sales
144
Conforming Loan Available
Most homebuyers in 52601 can comfortably use conventional financing. The median home price of $123,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
With homes sitting for 64 days on average, 52601 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 52601 sells for 6.6% below asking price (93.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 52601 can comfortably use conventional financing. The median home price of $123,250 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 52601 are set at the county level.
2026 Loan Limits — Des Moines County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 52601
To purchase the median home at $123,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,094.
Monthly Payment
$1,094
Income Required
$46,899
Principal & Interest
$759/mo
Down Payment (5%)
$6,163
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 52601.
Estimated Monthly Payment
$913
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