50273 — Madison County, Iowa Market Snapshot
Housing market data for zip code 50273 in Madison County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$306,500
Days to Sell
70
Homes Sold
18
Inventory
33
Sale-to-List
96.4%
New Listings
44
Price/SqFt
$195
Pending Sales
32
Conforming Loan Available
Most homebuyers in 50273 can comfortably use conventional financing. The median home price of $306,500 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 70 days on average, 50273 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
The average home in 50273 sells for 3.6% below asking price (96.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 50273 can comfortably use conventional financing. The median home price of $306,500 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 50273 are set at the county level.
2026 Loan Limits — Madison 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 50273
To purchase the median home at $306,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,498.
Monthly Payment
$2,498
Income Required
$107,070
Principal & Interest
$1,889/mo
Down Payment (5%)
$15,325
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 50273.
Estimated Monthly Payment
$2,047
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