51054 — Woodbury County, Iowa Market Snapshot
Housing market data for zip code 51054 in Woodbury County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
11 sales in 2026 (year to date)
Median Sale Price
$440,000
Days to Sell
81
Homes Sold
11
Inventory
3
Sale-to-List
98.3%
New Listings
5
Price/SqFt
$165
Pending Sales
7
Conforming Loan Available
Most homebuyers in 51054 can comfortably use conventional financing. The median home price of $440,000 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
With homes sitting for 81 days on average, 51054 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 51054 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 51054 can comfortably use conventional financing. The median home price of $440,000 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 51054 are set at the county level.
2026 Loan Limits — Woodbury 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 51054
To purchase the median home at $440,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,521.
Monthly Payment
$3,521
Income Required
$150,906
Principal & Interest
$2,711/mo
Down Payment (5%)
$22,000
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 51054.
Estimated Monthly Payment
$2,873
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