Brokers — List your Company Here
Featured local agent — Cumming, IA
Sarah Mitchell
Compass Real Estate · Cumming, IA
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
This spot is open. Be the only brokerage featured on this page — one slot, no auction.
Claim this spot* Example only — dummy agent for illustration. Your logo, name, tagline, link, and lead routing replace this content.
Cumming, IA Housing Market
The typical home in Cumming, IA is worth $520,142, held roughly flat 0.2% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $616,457, -19.6% year over year (through May 2026). With 14.0 months of supply and homes going under contract in about 251 days, Cumming is a buyer's market. At today's 7.03% 30-year fixed rate, 20% down on a $520,142 home is about $2,777/mo in principal and interest.
Key numbers for Cumming, IA
Typical home value
$520,142
-0.2% in 12 months
Zillow, August 2026
Median sale price
$616,457
-19.6% year over year
Redfin, through May 2026
Days on market
251
Slow-moving
Redfin, through May 2026
Active listings
14
14.0 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$160,357
Home costs 3.2x income
U.S. Census ACS, 2023
Sale-to-list ratio
98.7%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Cumming a buyer's or seller's market?
Cumming, IA is a buyer's market, based on 14.0 months of supply and homes selling in about 251 days. Above 7 months of supply is a glut: inventory is well ahead of the sales pace, and buyers can take time to inspect, compare, and negotiate concessions.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Cumming housing market data show?
Every row below is Redfin's final published month for Cumming, IA. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $616,457 |
| Median list price | $770,000 |
| Year-over-year price change | -19.6% |
| Median price per sq ft | $336/sq ft |
| Median days on market | 251 days |
| Active inventory | 14 listings |
| Months of supply | 14.0 months |
| Sale-to-list price ratio | 98.7% |
| Homes sold (that month) | 1 |
| New listings (that month) | 3 |
| Listings with a price cut | 14.3% |
| Market condition | Buyer's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Cumming is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Cumming is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Cumming home prices moved?
Over the last three years the median sale price in Cumming, IA fell 14.4%, from $719,900 to $616,457. The live Zillow value series has held roughly flat 0.2% in the last 12 months, which is the more current read now that Redfin's series has stopped. 14.3% of Cumming listings cut their asking price in the final Redfin month — a modest share, which is what a market looks like when sellers are pricing close to where homes actually clear. For prices to fall meaningfully from here, supply would have to keep building past 14.0 months while the sale-to-list ratio slips below its current 98.7%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
Get Cumming market alerts
Weekly updates on prices, inventory, and trends. Free forever.
What does it cost to buy a home in Cumming?
Priced off the typical home value of $520,142 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $104,028 | $416,113 | $2,777/mo |
| 5% | $26,007 | $494,135 | $3,297/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $2,777, that implies roughly $119,006 a year before you add taxes and insurance. The median household in Cumming earns $160,357, about $41,351 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.2x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Cumming in the next 12 months?
Tell us your timeline. We send the Cumming market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Cumming?
Zillow does not publish a rent index (ZORI) for Cumming, IA, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Cumming?
Active listings in Cumming, IA went from 4 in April 2025 to 14 in May 2026, a +250.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| May 2025 | 4 | 2 |
| June 2025 | 4 | not published |
| July 2025 | 8 | 7 |
| August 2025 | 10 | 3 |
| September 2025 | 8 | 1 |
| October 2025 | 9 | 2 |
| November 2025 | 10 | 1 |
| December 2025 | 4 | not published |
| January 2026 | 7 | 3 |
| March 2026 | 15 | 4 |
| April 2026 | 12 | 2 |
| May 2026 | 14 | 3 |
Redfin, through May 2026
How does Cumming compare to Iowa and the U.S.?
Cumming homes sell for $616,457 — 138% above the Iowa median of $258,700. Against the national median of $410,700, Cumming runs 50% higher. Year-over-year, Cumming moved -19.6% against Iowa's +2.3% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Cumming, IA | $616,457 | -19.6% | 251 days |
| Iowa statewide | $258,700 | +2.3% | 37 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Cumming
What buyers should watch
- Months of supply, currently 14.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 14.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $521 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $520,142 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Cumming listing goes under contract in 251 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 98.7% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Cumming added 3 new listings against 1 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved -0.2% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Cumming varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Cumming
There are currently 14 homes listed for sale in Cumming, Iowa. The median listing price is $770K.
Active listings
14
Homes on market
Median list price
$770K
Avg. days on market
251
Days until sale
New this week
3
Newly listed
How much do homes cost in Cumming by property type?
How the Cumming, IA market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $616,457 | $336/sq ft | 1 | 251 days |
| Condo / co-op | $449,900 | $323/sq ft | 1 | 424 days |
Who lives in Cumming?
American Community Survey estimates for Cumming. U.S. Census ACS, 2023
Population
558
Households
194
Median income
$160,357/yr
Median age
42.5 years
Owner-occupied
87.6%
Median home value
$486,400
Median gross rent
$1,406/mo
Mean commute
23.8 min
87.6% of occupied homes in Cumming are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $486,400 against Zillow's $520,142 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which cities are near Cumming, IA?
Ordered by distance from Cumming, not by size. Compare Cumming side by side with any of them.
Cumming housing market FAQ
Is Cumming a buyer's or seller's market?
Cumming, IA is currently a buyer's market. That read comes from 14.0 months of supply, homes going under contract in about 251 days, and sellers getting 98.7% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Cumming?
The typical home in Cumming, IA is worth $520,142 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $616,457, about $336 per square foot.
Is Cumming cheaper than the rest of Iowa?
Cumming's median sale price of $616,457 is 138% higher than the Iowa statewide median of $258,700, and 50% above the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Cumming?
Homes in Cumming, IA spent a median of 251 days on market before going under contract, versus 37 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Cumming?
At the current 30-year fixed rate of 7.03%, 20% down on a $520,142 home is about $2,777 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $119,006 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $160,357.
Are home prices rising in Cumming?
The typical home value in Cumming, IA held roughly flat 0.2% over the last 12 months, from $521,047 to $520,142 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Cumming?
Cumming ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Cumming?
That depends on your timeline, not on a headline. What the data says today: Cumming, IA is a buyer's market with 14.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
Be the brokerage on this page
1 slot per pageGet featured on Cumming, IA
Your logo, brokerage name, and direct link to your site — featured at the top of this page in front of every visitor researching this whole city. One brokerage, no rotation, no bidding war.
- Goes live in 24 hours
- Cancel anytime
- Do-follow backlink to your site
Keep researching Cumming
Nearby markets
Get the Cumming market brief
Get the Cumming, IA market brief
One email: what homes are actually clearing at around $520,142, how long they sit, which ZIPs run cheaper, and what to fix on your credit before you apply.