50021 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50021 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
228 sales in 2026 (year to date)
Median Sale Price
$336,100
Days to Sell
94
Homes Sold
228
Inventory
237
Sale-to-List
98.9%
New Listings
275
Price/SqFt
$221
Pending Sales
265
Conforming Loan Available
Most homebuyers in 50021 can comfortably use conventional financing. The median home price of $336,100 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 94 days on average, 50021 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
Homes are selling very close to asking price in 50021 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 50021 can comfortably use conventional financing. The median home price of $336,100 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 50021 are set at the county level.
2026 Loan Limits — Polk 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 50021
To purchase the median home at $336,100 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,725.
Monthly Payment
$2,725
Income Required
$116,790
Principal & Interest
$2,071/mo
Down Payment (5%)
$16,805
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 50021.
Estimated Monthly Payment
$2,230
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