52732 — Clinton County, Iowa Market Snapshot
Housing market data for zip code 52732 in Clinton County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
84 sales in 2026 (year to date)
Median Sale Price
$141,575
Days to Sell
53
Homes Sold
84
Inventory
63
Sale-to-List
96.9%
New Listings
93
Price/SqFt
$100
Pending Sales
97
Conforming Loan Available
Most homebuyers in 52732 can comfortably use conventional financing. The median home price of $141,575 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
52732's market is balanced with homes taking an average of 53 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 52732 sells for 3.1% below asking price (96.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 52732 can comfortably use conventional financing. The median home price of $141,575 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 52732 are set at the county level.
2026 Loan Limits — Clinton 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 52732
To purchase the median home at $141,575 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,235.
Monthly Payment
$1,235
Income Required
$52,916
Principal & Interest
$872/mo
Down Payment (5%)
$7,079
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 52732.
Estimated Monthly Payment
$1,026
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