Cumming, Iowa.
Typical home $527,069 (-0.1% in a year). Des Moines-West Des Moines, IA metro.
to buy the typical home at today's mortgage rate — +$1,386 (+100%) since Jan 2020.
- 1 year
- Down $528 -0%
- $527,596$527,069 since Sep 2025
- 5 years
- Up $77,328 +17%
- $449,741$527,069 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Cumming$2,766
- Iowa$1,242
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 22 years.
Typical home values in Cumming, IA fell 0.1% over the past year — slower than the nation's +1.2%.
Living in Cumming, Madison County, Iowa
Cumming is a city of 436 people in Madison County. Half its households earn more than $162,875 a year and half less, against $90,855 across Madison County; 4% of its people live below the poverty line. 88% of its homes are lived in by their owners and 12% are rented. Unemployment in Madison County was 3.3% in August 2026, and the county had 1.0% fewer jobs in 2025 than the year before. The most people in Madison County work in schools and health care, then construction.
Written by AI Claude Sonnet 5.5 wrote this on 24 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cumming is a very small city in Madison County, Iowa, and almost everyone who lives there owns their home. Household incomes run well above the county's, and fewer residents live below the poverty line than you might expect. Winters are cold, with January highs a little below freezing and lows well under it, and snow is a regular part of the season. Summers are warm, with July the hottest month.
Work. Residents work mostly in schools, hospitals and social care, in the building trades, in banks, insurance and property, and in shops. Across Madison County, some of the largest workplaces are Hy-Vee, the Winterset Comm School District and Madison County Memorial Hospital. A fair number of people work from home, and the typical commute is a fairly short drive.
Things to do. Several family outings are a short drive away, including the Blank Park Zoo and Living History Farms, a museum of farm life. Walnut Woods State Park offers a protected area for walking and being outdoors, also a short drive off. For art, the Des Moines Art Center and the Pappajohn Sculpture Park are both museums within a short drive.
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- 4%below the poverty line
- 23 mintypical commute
- 21%work from home
What people in Madison County work in
Employed residents by industry, from the Census survey. Madison County had 4,194 jobs in 2025, 1.0% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 31° and lows near 14°; warmest in July, with highs near 86° and lows near 66°. About 36 inches of snow and 37 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Des Moines International Airport weather station, 7 miles away (NOAA).
Largest workplaces in Madison County
- Hy-VeeGeneral warehousing and storage448
- Winterset Comm School DistrictSchool district233FTE
- Agriland FS - WintersetAgricultural chemicals merchant wholesalers200
- Interstate 35 Comm School DistrictSchool district141FTE
- Madison County Memorial HospitalCritical access hospital133FTE
- Van Meter Comm School DistrictSchool district124FTE
- Fareway Stores, Inc. 683 WintersetGrocery stores117
- Earlham Comm School DistrictSchool district99FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 1,144 people in all across the county; Cumming has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- DroughtRelatively moderate
- Strong windRelatively moderate
- LightningRelatively moderate
- TornadoesRelatively moderate
- HailRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cumming’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Madison County and the Des Moines-West Des Moines, IA metro.
Cumming home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cumming$527,069
- Iowa$236,623
- United States$366,157
Sellers are cutting prices on about 1 in 4 Cumming listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cumming26.05%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cumming29
New listings per month
Sellers arriving at the market.
- Cumming5
Zip codes with a Cumming address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cumming — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.