52804 — Scott County, Iowa Market Snapshot
Housing market data for zip code 52804 in Scott County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
109 sales in 2026 (year to date)
Median Sale Price
$173,000
Days to Sell
32
Homes Sold
109
Inventory
44
Sale-to-List
99.9%
New Listings
113
Price/SqFt
$130
Pending Sales
121
Conforming Loan Available
Most homebuyers in 52804 can comfortably use conventional financing. The median home price of $173,000 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
52804'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 52804 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 52804 can comfortably use conventional financing. The median home price of $173,000 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 52804 are set at the county level.
2026 Loan Limits — Scott 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 52804
To purchase the median home at $173,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,475.
Monthly Payment
$1,475
Income Required
$63,234
Principal & Interest
$1,066/mo
Down Payment (5%)
$8,650
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 52804.
Estimated Monthly Payment
$1,221
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