50310 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50310 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
153 sales in 2026 (year to date)
Median Sale Price
$234,500
Days to Sell
22
Homes Sold
153
Inventory
86
Sale-to-List
98.4%
New Listings
210
Price/SqFt
$208
Pending Sales
188
Conforming Loan Available
Most homebuyers in 50310 can comfortably use conventional financing. The median home price of $234,500 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
Homes in 50310 are moving quickly at 22 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 50310 (98.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 50310 can comfortably use conventional financing. The median home price of $234,500 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 50310 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 50310
To purchase the median home at $234,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,947.
Monthly Payment
$1,947
Income Required
$83,428
Principal & Interest
$1,445/mo
Down Payment (5%)
$11,725
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 50310.
Estimated Monthly Payment
$1,601
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