50009 — Polk County, Iowa Market Snapshot
Housing market data for zip code 50009 in Polk County, Iowa. Updated monthly with median prices, days on market, and more.
Market Sales Data
128 sales in 2026 (year to date)
Median Sale Price
$346,250
Days to Sell
86
Homes Sold
128
Inventory
116
Sale-to-List
98.9%
New Listings
131
Price/SqFt
$228
Pending Sales
158
Conforming Loan Available
Most homebuyers in 50009 can comfortably use conventional financing. The median home price of $346,250 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 86 days on average, 50009 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 50009 (98.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 50009 can comfortably use conventional financing. The median home price of $346,250 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 50009 are set at the county level.
2026 Loan Limits — Polk 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 50009
To purchase the median home at $346,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,803.
Monthly Payment
$2,803
Income Required
$120,122
Principal & Interest
$2,133/mo
Down Payment (5%)
$17,313
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 50009.
Estimated Monthly Payment
$2,293
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