50320 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50320 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$264,750
Days to Sell
32
Homes Sold
50
Inventory
47
Sale-to-List
99.0%
New Listings
81
Price/SqFt
$205
Pending Sales
64
Conforming Loan Available
Most homebuyers in 50320 can comfortably use conventional financing. The median home price of $264,750 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
50320's market is balanced with homes taking an average of 32 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 50320 (99.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 50320 can comfortably use conventional financing. The median home price of $264,750 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 50320 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 50320
To purchase the median home at $264,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,178.
Monthly Payment
$2,178
Income Required
$93,361
Principal & Interest
$1,631/mo
Down Payment (5%)
$13,238
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 50320.
Estimated Monthly Payment
$1,788
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