50216 — Guthrie County, Iowa Market Snapshot
Housing market data for zip code 50216 in Guthrie County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$600,000
Days to Sell
58
Homes Sold
16
Inventory
33
Sale-to-List
92.3%
New Listings
36
Price/SqFt
$378
Pending Sales
23
Conforming Loan Available
Most homebuyers in 50216 can comfortably use conventional financing. The median home price of $600,000 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
50216's market is balanced with homes taking an average of 58 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 50216 sells for 7.7% below asking price (92.3% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 50216 can comfortably use conventional financing. The median home price of $600,000 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 50216 are set at the county level.
2026 Loan Limits — Guthrie 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 50216
To purchase the median home at $600,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,747.
Monthly Payment
$4,747
Income Required
$203,443
Principal & Interest
$3,697/mo
Down Payment (5%)
$30,000
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 50216.
Estimated Monthly Payment
$3,863
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