52228 — Benton County, Iowa Market Snapshot
Housing market data for zip code 52228 in Benton County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
12 sales in 2026 (year to date)
Median Sale Price
$444,950
Days to Sell
199
Homes Sold
12
Inventory
9
Sale-to-List
100.4%
New Listings
14
Price/SqFt
$160
Pending Sales
12
Conforming Loan Available
Most homebuyers in 52228 can comfortably use conventional financing. The median home price of $444,950 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 199 days on average, 52228 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 52228 (100.4% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 52228 can comfortably use conventional financing. The median home price of $444,950 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 52228 are set at the county level.
2026 Loan Limits — Benton 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 52228
To purchase the median home at $444,950 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,559.
Monthly Payment
$3,559
Income Required
$152,531
Principal & Interest
$2,742/mo
Down Payment (5%)
$22,248
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 52228.
Estimated Monthly Payment
$2,904
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