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First-Time Homebuyer in Des Moines? Here’s What to Know Before You Buy

Buying your first home in the Des Moines Metro is exciting — but it comes with questions most buyers don’t know to ask. From understanding true monthly costs to choosing the right neighborhood, local insight matters more than generic advice.

Buying your first home in the Des Moines Metro is exciting — but it comes with questions most buyers don’t know to ask. From understanding true monthly costs to choosing the right neighborhood, first-time buyers in Des Moines, West Des Moines, Ankeny, and Urbandale need local insight, not generic advice.

This page walks through what matters most so you can buy with confidence.

Want a deeper breakdown of the first-time homebuying process? Download our comprehensive First-Time Homebuyer Guide to better understand financing, timelines, and what to expect when buying in the Des Moines Metro.

FIRST TIME HOMEBUYER COVER

Have Questions About Buying Your First Home in Des Moines?

Buying your first home comes with a lot of unknowns — and that’s normal. If you’re considering buying in Des Moines or the surrounding areas, we’re happy to discuss your questions and help you determine if now is the right time.

MORTGAGE APPLICATION

GET PREAPPROVED

Getting preapproved is one of the most important first steps for first-time buyers. By reviewing your income, savings, and debt, a lender can help determine what price range makes sense for you.

In the Des Moines area, taxes, insurance, and loan options can vary by city and price point — which is why understanding real monthly numbers early can prevent surprises later in the process.

Find a home and make an offer

Choosing a home is often the most emotional part of the process, especially for first-time buyers. We help you evaluate homes objectively, looking beyond finishes to factors like location, condition, resale potential, and long-term costs.

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Once you find the right home, we analyze recent comparable sales in the area and help structure a strong, competitive offer based on market conditions, inspections, and repairs — not guesswork.

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Key Transfer Moment

What First-Time Buyers Are Often Surprised by in Des Moines

While the steps of buying a home are similar everywhere, the details matter in the Des Moines Metro. First-time buyers are often surprised by how much location and property type can impact costs, competition, and long-term value.

  • Property taxes can vary significantly by city and neighborhood 

  • Some suburbs offer better value at similar price points  

  • Competition can change block by block, not just city by city  

  • Older homes may require different inspection considerations 

  • Monthly payments are influenced by more than just the purchase price  

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