50312 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50312 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
41 sales in 2026 (year to date)
Median Sale Price
$282,500
Days to Sell
36
Homes Sold
41
Inventory
48
Sale-to-List
98.2%
New Listings
73
Price/SqFt
$214
Pending Sales
60
Conforming Loan Available
Most homebuyers in 50312 can comfortably use conventional financing. The median home price of $282,500 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
50312's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 50312 (98.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 50312 can comfortably use conventional financing. The median home price of $282,500 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 50312 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 50312
To purchase the median home at $282,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,314.
Monthly Payment
$2,314
Income Required
$99,190
Principal & Interest
$1,741/mo
Down Payment (5%)
$14,125
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 50312.
Estimated Monthly Payment
$1,898
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