52776 — Johnson County, Iowa Market Snapshot
Housing market data for zip code 52776 in Johnson County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$303,450
Days to Sell
156
Homes Sold
12
Inventory
4
Sale-to-List
95.7%
New Listings
6
Price/SqFt
$139
Pending Sales
11
Conforming Loan Available
Most homebuyers in 52776 can comfortably use conventional financing. The median home price of $303,450 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 156 days on average, 52776 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 52776 sells for 4.3% below asking price (95.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 52776 can comfortably use conventional financing. The median home price of $303,450 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 52776 are set at the county level.
2026 Loan Limits — Johnson 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 52776
To purchase the median home at $303,450 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,475.
Monthly Payment
$2,475
Income Required
$106,069
Principal & Interest
$1,870/mo
Down Payment (5%)
$15,173
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 52776.
Estimated Monthly Payment
$2,028
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