50226 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50226 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
39 sales in 2026 (year to date)
Median Sale Price
$372,000
Days to Sell
86
Homes Sold
39
Inventory
46
Sale-to-List
97.6%
New Listings
45
Price/SqFt
$258
Pending Sales
44
Conforming Loan Available
Most homebuyers in 50226 can comfortably use conventional financing. The median home price of $372,000 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
With homes sitting for 86 days on average, 50226 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 50226 sells for 2.4% below asking price (97.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 50226 can comfortably use conventional financing. The median home price of $372,000 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 50226 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 50226
To purchase the median home at $372,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,000.
Monthly Payment
$3,000
Income Required
$128,578
Principal & Interest
$2,292/mo
Down Payment (5%)
$18,600
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 50226.
Estimated Monthly Payment
$2,452
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 50226. Tell us what you're looking for.