Home Insurance Estimator for Des Moines, IA
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Iowa, driven by weather risks, construction costs, and local claims history. The median home value in Des Moines is $240,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Des Moines local data
How Des Moines Compares to the National Average
Understanding how Des Moines stacks up helps you calibrate your financial planning.
| Metric | Des Moines, IA | US Average | Difference |
|---|---|---|---|
| Median Home Price | $240,000 | $420,800 | -43.0% |
| Median Monthly Rent | $850 | $1,713 | -50.4% |
| Median Household Income | $67,200 | $74,580 | -9.9% |
| Property Tax Rate | 1.50% | 1.10% | +36.4% |
| Cost of Living Index | 89 | 100 | -11.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Des Moines Financial Snapshot
- Population (Metro)
- 700,000
- Unemployment
- 2.8%
- Avg Commute
- 20 min
- Median Age
- 33.8
- Price-to-Rent Ratio
- 23.5x
- Annual Property Tax
- $3,600
Home Insurance Estimator in Other Iowa Cities
Frequently Asked Questions — Des Moines
What is the median home price in Des Moines, IA?
The median home price in Des Moines is $240,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Des Moines?
Median monthly rent in Des Moines is $850. That works out to $10,200/year, or 15% of the median household income — within the commonly recommended 30% of income guideline.
Is Des Moines affordable?
Des Moines's cost of living index is 89 vs. the national average of 100. With a median household income of $67,200/year and a median home price of $240,000, the price-to-income ratio is 3.6x. Des Moines remains relatively affordable compared to many US metros.
What is the property tax rate in Des Moines?
The effective property tax rate in Des Moines is 1.50% of assessed value. On the median home of $240,000, that's roughly $3,600/year ($300/month).