52224 — Tama County, Iowa Market Snapshot
Housing market data for zip code 52224 in Tama County, Iowa. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 4 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Tama County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$322,500
Days to Sell
81
Homes Sold
4
Inventory
10
Conforming Loan Available
Most homebuyers in 52224 can comfortably use conventional financing. The median home price of $322,500 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
With homes sitting for 81 days on average, 52224 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Conforming Loan Feasibility
Most homebuyers in 52224 can comfortably use conventional financing. The median home price of $322,500 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 52224 are set at the county level.
2026 Loan Limits — Tama 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 52224
To purchase the median home at $322,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,621.
Monthly Payment
$2,621
Income Required
$112,324
Principal & Interest
$1,987/mo
Down Payment (5%)
$16,125
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 52224.
Estimated Monthly Payment
$2,146
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 52224. Tell us what you're looking for.