52403 — Linn County, Iowa Market Snapshot
Housing market data for zip code 52403 in Linn County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
26 sales in 2026 (year to date)
Median Sale Price
$170,812
Days to Sell
65
Homes Sold
26
Inventory
14
Sale-to-List
103.3%
New Listings
22
Price/SqFt
$108
Pending Sales
26
Conforming Loan Available
Most homebuyers in 52403 can comfortably use conventional financing. The median home price of $170,812 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 65 days on average, 52403 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 in 52403 are selling 3.3% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 52403 can comfortably use conventional financing. The median home price of $170,812 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 52403 are set at the county level.
2026 Loan Limits — Linn 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 52403
To purchase the median home at $170,812 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,459.
Monthly Payment
$1,459
Income Required
$62,516
Principal & Interest
$1,052/mo
Down Payment (5%)
$8,541
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 52403.
Estimated Monthly Payment
$1,207
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