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Guides & Resources

Everything you need to buy, sell, downsize, or relocate in the Des Moines metro — organized in one place by your local expert.

1

Buying a Home in Des Moines

From first-time buyers to experienced investors — your complete guide to purchasing a home in the Des Moines metro.

Buying your first home in Des Moines is more achievable than you might think. Iowa has some of the best first-time buyer programs in the Midwest, and Des Moines home prices remain well below the national median.

FirstHome Program

Iowa Finance Authority offers below-market mortgage rates for first-time buyers purchasing below $366,000.

Down Payment Help

IFA grants and forgivable loans up to $2,500 for qualifying buyers. Some cities offer additional local assistance.

Homes for Iowans

Available to repeat buyers too — lower rates and assistance for anyone buying within Iowa income limits.

Federal Tax Credit

IFA Mortgage Credit Certificates allow first-time buyers to claim a portion of mortgage interest as a direct tax credit.

💡 Sarah's Tip

Many buyers don't realize they can combine IFA down payment assistance with an FHA loan for as little as $1,000 out of pocket on a $200,000 home. Let's walk through the numbers together — try the mortgage calculator.

The typical Des Moines home purchase takes 45–60 days from accepted offer to closing. Here's the full timeline:

  1. Get Pre-Approved — Before house hunting, get a pre-approval letter from a lender. This tells sellers you're serious and shows exactly what you can afford.
  2. Define Your Search — Neighborhoods, school districts, commute, budget. I'll set you up with custom MLS alerts through the Smart Move app.
  3. Tour Homes & Make an Offer — When you find the right home, we'll craft a competitive offer based on current market conditions.
  4. Home Inspection (Days 1–10) — Professional inspection typically costs $350–$500. In Iowa, radon testing is strongly recommended — about 70% of Iowa homes have elevated radon levels.
  5. Appraisal & Underwriting (Days 10–30) — Your lender orders an appraisal and processes your loan. I'll coordinate timelines to keep things on track.
  6. Final Walk-Through (Day Before Closing) — We verify the home's condition matches the contract. This is your last chance to flag any issues.
  7. Closing Day — In Iowa, closings are handled by a title company or attorney. Bring your ID, cashier's check for closing costs, and get ready to receive your keys.
📊 Iowa Closing Costs for Buyers

Expect 2–4% of the purchase price in closing costs, including lender fees, title insurance, prepaid taxes and insurance, and recording fees. On a $240,000 home, that's roughly $5,000–$10,000. Use the calculator to estimate your numbers.

Understanding your financing options is the foundation of a smart home purchase. Here's what's available to Des Moines buyers:

Conventional Loans

3–20% down. Best rates with 20% down and 740+ credit. PMI required below 20%. Most common in the metro.

FHA Loans

3.5% down with 580+ credit. More flexible qualifying. Great for first-time buyers or lower credit scores.

VA Loans

0% down for eligible veterans. No PMI. Competitive rates. Des Moines VA Regional Office can verify eligibility.

USDA Loans

0% down for rural areas. Parts of Warren County, Carlisle, and outer Polk County may qualify. Income limits apply.

Current mortgage rates are hovering around 6.5–7% as of early 2026. While higher than pandemic lows, Des Moines' affordability means monthly payments remain manageable. Calculate your estimated payment to see where you stand.

🤝 Local Lender Advantage

I work with several trusted local lenders who understand Iowa's programs and can often close faster than big banks. Ask me for recommendations — the right lender can save you thousands.

A thorough home inspection is your best protection against costly surprises. In Iowa, there are a few things inspectors pay special attention to:

  • Radon Testing — Iowa has some of the highest radon levels in the country. Test every home, even new construction. Mitigation costs $800–$1,500 if needed.
  • Foundation & Basement — Clay soil in central Iowa causes more foundation movement than most states. Look for cracks, bowing walls, and water intrusion.
  • Roof Condition — Hail damage is common. My insurance background helps me spot damage that could affect your coverage or future premiums.
  • HVAC Systems — Iowa's extreme temperature swings put heavy demands on heating and cooling. Systems older than 15 years may need replacement budgeting.
  • Sewer Scope — Older Des Moines neighborhoods (pre-1970s) may have clay or Orangeburg sewer lines prone to root intrusion. A $150 sewer scope can prevent a $10,000 surprise.
  • Electrical Panel — Homes from the 1960s–1980s may have Federal Pacific or Zinsco panels, which insurers may refuse to cover.
🛡️ Insurance Insight

With 10+ years in property insurance, I review every inspection report through a lens most agents miss — identifying issues that could affect your ability to insure the property or that could trigger higher premiums. This is a key part of my service that sets Smart Move apart.

Ready to Start Your Home Search?

Schedule a free buyer consultation. I'll walk you through financing, neighborhoods, and exactly what to expect in today's Des Moines market.

Schedule Buyer Consultation →
2

Selling Your Home

Maximize your sale price and minimize your stress — from preparation through closing day.

Preparation is where sellers gain the biggest advantage. Homes that are clean, decluttered, and well-presented sell faster and for more money — and in a market approaching balance, preparation matters more than ever.

The 4-Week Preparation Timeline:

  1. Declutter & Depersonalize — Remove excess furniture, personal photos, and collections. Buyers need to see themselves in the space. See the decluttering guide.
  2. Deep Clean Everything — Professional cleaning ($200–$400) is one of the highest-ROI investments in selling. Focus on kitchens, bathrooms, windows, and carpets.
  3. Handle Minor Repairs — Fix dripping faucets, touch up paint, replace burnt-out bulbs, and repair any obvious cosmetic issues. These signal "well-maintained" to buyers.
  4. Boost Curb Appeal — First impressions happen at the curb. In Iowa's spring market: fresh mulch, trimmed bushes, pressure-washed walkways. In winter: clear walkways, add lighting, stage the entry.
🛡️ Pre-Listing Insurance Review

Before listing, I review your property for issues that could derail buyer financing or insurance qualification — things like aging roofs, outdated electrical panels, or previous claims history. Better to address these proactively than lose a deal at inspection.

Pricing is the single most important decision you'll make as a seller. In a market approaching balance, overpricing is the fastest way to watch your home sit while others sell.

What is a CMA? A Comparative Market Analysis compares your home to recently sold, active, and pending properties in your area. It considers square footage, condition, updates, lot size, and neighborhood trends. I prepare a detailed CMA for every listing.

Price It Right

Homes priced at market value sell in 30-35 days. Overpriced homes average 90+ days and often sell below what they would have at correct pricing.

The 10% Rule

Overprice by 10% and you lose 50% of potential buyers. Price reductions signal desperation and invite lowball offers.

The Des Moines market currently has a 97.4% list-to-sale ratio, meaning homes are selling very close to asking price when priced correctly. Estimate your net proceeds to see what you'd walk away with.

Staged homes sell 73% faster than non-staged homes, according to the National Association of REALTORS®. You don't need to hire an expensive staging company — most homes just need thoughtful editing.

DIY Staging Essentials:

  • Remove at least 30% of furniture — space feels larger when it's not crowded
  • Neutralize bold wall colors — soft whites, warm grays, and light tans appeal to the widest audience
  • Add fresh towels in bathrooms, a throw blanket on the couch, and greenery on tables
  • Open all blinds and turn on every light for showings — Iowa homes need all the natural light they can get
  • Remove pet items, litter boxes, and pet odors — many buyers are sensitive or allergic
  • Clear kitchen counters down to 2–3 items max (coffee maker, fruit bowl, cutting board)

Photography preparation: Professional photos are essential — 97% of buyers start their search online. I include professional photography with every listing. Make sure the home is show-ready before the photographer arrives.

Knowing your costs upfront prevents surprises at the closing table. Here's what Iowa sellers typically pay:

Agent Commissions

5–6% of sale price (negotiable). Split between listing and buyer's agent.

Title & Closing Fees

$500–$1,500. Iowa requires an abstract of title rather than title insurance in many counties.

Property Tax Prorations

Iowa taxes are paid in arrears. Sellers credit the buyer for unpaid taxes through the closing date.

Buyer Concessions

In today's market, buyers may ask for 1–3% in concessions for closing costs. This is negotiable.

Bottom line: Most Iowa sellers should budget 8–10% of the sale price for total costs. On a $240,000 sale, that's approximately $19,000–$24,000, leaving net proceeds of $216,000–$221,000 (before mortgage payoff). Calculate your exact net proceeds.

Wondering What Your Home Is Worth?

Request a free, no-obligation home valuation. I'll prepare a detailed CMA based on current Des Moines market data.

Request Free Valuation →
3

Senior & Estate Resources

Compassionate guidance for life's biggest transitions — from an SRES® certified specialist who understands what's at stake.

Downsizing isn't just about moving to a smaller space — it's about designing the next chapter of your life. As an SRES® (Seniors Real Estate Specialist), I understand that this is as much an emotional journey as a logistical one.

Signs it might be time to downsize:

  • You're maintaining rooms you rarely use
  • Home maintenance and yard work are becoming burdensome
  • Property taxes and utilities are straining your fixed income
  • You want to be closer to family, healthcare, or community
  • Stairs, multi-level layouts, or accessibility are becoming concerns

Start early. The best downsizing experiences happen when you have time — ideally 6–12 months before you need to move. Begin by sorting one room at a time using the "keep, donate, sell, discard" method. See the full decluttering guide.

🤝 Sarah's SRES® Approach

I never rush this process. Every client gets a personalized timeline, and I coordinate with estate cleanout services, senior move managers, and our Golden Concierge partner for senior living placement. Learn more about senior services.

The Des Moines metro has a growing range of senior housing options to match different lifestyles, care needs, and budgets:

55+ Active Adult

Independent living communities with maintenance-free living, amenities, and social activities. Many in West Des Moines, Ankeny, and Urbandale.

Independent Living

Apartment-style communities with optional dining, housekeeping, and transportation. Best for active seniors who want community without care.

Assisted Living

Help with daily activities (meals, medication, bathing) in a residential setting. Iowa has several well-rated facilities across the metro.

CCRCs

Continuing Care Retirement Communities offer independent, assisted, and skilled nursing on one campus — so you never have to move again.

Through my partnership with Golden Concierge, I can connect you with a senior living advisor who provides free, personalized placement services — they tour communities with you and help match your needs with the right option. See all our referral partners.

Selling a home after the loss of a loved one adds emotional weight to an already complex process. I specialize in guiding families through estate and probate sales with compassion and expertise.

Key things to know about Iowa probate sales:

  • Iowa inheritance tax was repealed effective January 1, 2025 — a significant benefit for heirs
  • Probate typically takes 6–18 months, with a 4-month minimum creditor period
  • Estates under $50K in personal property may avoid formal probate
  • Inherited property receives a stepped-up basis, resetting to fair market value at date of death
  • Multiple heirs require coordination — I've worked with families of 2 to 10+ heirs
  • Out-of-state executors can sell Iowa property remotely with proper coordination

For a comprehensive guide to the entire process, visit our Probate & Inherited Property Hub — it covers Iowa probate law, tax implications, selling options, and step-by-step guidance.

One of the most common calls I receive is from adult children who know their parents need to sell but don't know how to start the conversation. You're not alone in this.

How to start the conversation:

  • Lead with their goals, not yours: "What would make your life easier?" vs. "You need to sell"
  • Bring up safety concerns gently: stairs, maintenance burden, distance from medical care
  • Offer to explore options together — a move doesn't have to mean losing independence
  • Give them time to process; this is rarely a one-conversation decision

Legal and logistical considerations:

  • Ensure Power of Attorney (POA) documents are in place and up-to-date
  • If parents have cognitive decline, act sooner — POA cannot be granted after incapacity
  • If coordinating from out of state, a local SRES® agent is essential for hands-on management
  • Consider a home equity evaluation before committing to senior living — proceeds often fund the transition
💛 A Gentle Approach

I'm happy to be part of the conversation if that helps. Sometimes having a knowledgeable, neutral third party makes it easier for everyone. No pressure, no timeline — just honest guidance about what's possible.

Looking for Compassionate Senior Guidance?

As an SRES® certified specialist, I understand the unique needs of seniors and their families. Let's talk about your situation.

Schedule Senior Consultation →
4

Des Moines Relocation & FAQ

Everything you need to know about living, working, and raising a family in the Des Moines metro.

The Greater Des Moines metro is home to over 700,000 people across three primary counties: Polk, Dallas, and Warren. It consistently ranks among the best places to live in the U.S. for affordability, safety, and job opportunities.

Polk County

The core — Des Moines, Ankeny, Urbandale, Johnston, Grimes, Altoona, Pleasant Hill. Most diverse housing options and job centers.

Dallas County

Fastest growing — Waukee, West Des Moines (west side), Clive, Adel. Newer construction, top schools, premium pricing.

Warren County

More rural character — Norwalk, Carlisle, Indianola. Larger lots, lower prices, small-town feel with metro access.

Cost of Living

~10% below the national average. Median home price: $240K (vs. $420K national). Groceries, healthcare, and utilities are all below average.

Average commute times in the metro are just 20–25 minutes, with most suburbs within 15 minutes of downtown Des Moines. Explore all neighborhoods or compare communities side by side.

School district quality is one of the top factors driving home purchases in the Des Moines metro. Here's what families should know:

Waukee CSD

Fastest-growing district in Iowa. Excellent academics, new facilities, strong STEM programs. Serves Waukee, western West Des Moines, parts of Clive.

Johnston CSD

Consistently top-rated. Strong academics, arts, and athletics. Known for community involvement and well-funded programs.

Ankeny CSD

Second-largest in the state. Excellent elementary schools, strong high school programs, rapid growth with new facilities.

West Des Moines CSD

Diverse, well-established district with strong AP/IB offerings. Valley High School is one of Iowa's most recognized.

Iowa Open Enrollment: Iowa allows open enrollment, meaning you can apply to attend a school district other than the one you live in. Applications are due by March 1 for the following school year. This gives families flexibility without being locked into a specific neighborhood.

Other well-regarded districts in the metro include Urbandale, Norwalk, Carlisle, and Southeast Polk. Browse neighborhoods by school district.

8 Weeks Before Moving:

  • Research and book movers (get 3 quotes minimum)
  • Begin decluttering — donate, sell, or discard items you won't take
  • Start a moving binder with important documents, contacts, and timeline
  • Notify your landlord if renting; begin packing non-essential items

4 Weeks Before:

  • File change of address with USPS
  • Transfer utilities — MidAmerican Energy, Des Moines Water Works, and internet providers
  • Update address with banks, insurance, subscriptions, and employers
  • Schedule cable/internet installation at new home
  • Begin packing room by room; label boxes clearly

1 Week Before:

  • Confirm moving company details, arrival time, and payment
  • Pack a "first night" box (toiletries, sheets, snacks, chargers, medications)
  • Clean out refrigerator and plan to use up perishables
  • Take photos of the old home's condition for security deposit purposes

Moving Day:

  • Do a final walk-through of the old home — check every closet, cabinet, and garage
  • Collect all keys, garage openers, and mailbox keys for the new owners
  • Take meter readings at both homes for utility billing
  • Meet movers at the new home and direct placement of boxes and furniture

Down payments range from 0% (VA and USDA loans) to 20% (conventional with no PMI). FHA loans require 3.5%, and conventional loans start at 3–5%. Iowa Finance Authority offers grants and forgivable loans up to $2,500 for qualifying buyers. Calculate your payment.

On average, Des Moines homes spend about 35 days on market. Well-priced homes in Waukee and Ankeny can sell in 2–3 weeks. From listing to closing, expect 60–90 days total. Check current conditions on the market trends page.

Iowa sellers typically pay 8–10% of the sale price in total costs: 5–6% in commissions (negotiable), 0.5–1% in title and closing fees, property tax prorations, and any buyer concessions. Iowa does not require an attorney at closing. Estimate your net proceeds.

Des Moines ranks among the best places to live for affordability, job growth, and quality of life. The cost of living is about 10% below the national average. Top school districts include Waukee, Johnston, and Ankeny. Average commutes are 20–25 minutes. Explore neighborhoods.

Spring (March–May) is the most active season with the highest sale prices and most buyer activity. Winter sellers face less competition and attract more motivated buyers. The best time depends on your circumstances. Try the market timing calculator.

Start early and focus on their goals. Ensure POA documents are in place. Work with an SRES® specialist who understands the emotional and logistical challenges. I coordinate with estate cleanout services, senior move managers, and senior living advisors. Learn about senior services.

Relocating to Des Moines?

Let me help you find the perfect neighborhood for your family, budget, and lifestyle. I'll create a customized relocation guide just for you.

Plan My Relocation →

Have a Question Not Covered Here?

Real estate is personal — no guide can cover every situation. Whether you're buying your first home, selling an estate property, or moving from out of state, I'm here to help with your specific circumstances.

💬 Contact Sarah