Market Overview
Home Prices in Cumming, IA
The median home value in Cumming, IA is $532,320 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.3% compared to a year ago and up 1.4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cumming are priced30% above average. Cumming is part of the Des Moines-West Des Moines, IA metro area.
Over the past five years, Cumming home values have risen by approximately20.1%, reflecting strong long-term appreciation in this market.
Price History
Cumming Home Price Trend
City Comparison
Cumming vs. National Median
At $532,320, homes in Cumming cost 30% above the national median of $410,000. Buyers in Cumming should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Cumming?
20% Down Payment
$106,464
on $532,320
Monthly P&I
$2,776/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,526/mo
incl. taxes & insurance
Income Needed
$141,040
gross annual (30% rule)
10% Down Option
$53,232
+ PMI applies
Loan Amount (20% dn)
$425,856
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cumming, IA?
The median home value in Cumming is $532,320 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.3% year-over-year.
How much have home prices changed in Cumming?
Over the past year, home values in Cumming have increased by 0.3%. Over five years, prices have risen approximately 20.1%.
How much do I need to earn to buy a home in Cumming?
To comfortably afford the median home price of $532,320 with a 20% down payment ($106,464) at today's rates (6.8%), you'd need a gross annual income of approximately $141,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Cumming compare to the national average home price?
The national median home value is approximately $410,000. At $532,320, homes in Cumming are 30% above the national average.
What metro area is Cumming part of?
Cumming is part of the Des Moines-West Des Moines, IA metropolitan area. Home prices and market conditions can vary across the broader metro region.