50634 — Black Hawk County, Iowa Market Snapshot
Housing market data for zip code 50634 in Black Hawk 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 Black Hawk County county page for broader data.
Market Sales Data
4 sales in 2026 (year to date)
Median Sale Price
$212,562
Days to Sell
42
Homes Sold
4
Inventory
1
Conforming Loan Available
Most homebuyers in 50634 can comfortably use conventional financing. The median home price of $212,562 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
50634's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 50634 can comfortably use conventional financing. The median home price of $212,562 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 50634 are set at the county level.
2026 Loan Limits — Black Hawk 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 50634
To purchase the median home at $212,562 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,779.
Monthly Payment
$1,779
Income Required
$76,225
Principal & Interest
$1,310/mo
Down Payment (5%)
$10,628
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 50634.
Estimated Monthly Payment
$1,466
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