51331 — Dickinson County, Iowa Market Snapshot
Housing market data for zip code 51331 in Dickinson County, Iowa. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Dickinson County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$667,000
Days to Sell
153
Homes Sold
6
Inventory
17
Conforming Loan Available
The median home in 51331 at $667,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 153 days on average, 51331 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
The median home in 51331 at $667,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 51331 are set at the county level.
2026 Loan Limits — Dickinson 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 51331
To purchase the median home at $667,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,260.
Monthly Payment
$5,260
Income Required
$225,443
Principal & Interest
$4,110/mo
Down Payment (5%)
$33,350
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 51331.
Estimated Monthly Payment
$4,278
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