Millennial & Gen Z Homebuyers in Des Moines: Affordable Homes, Vibrant Lifestyles

At The dsmSOLD Team at Keller Williams Legacy Group, we’ve been seeing something exciting in the Des Moines housing market: Millennials and Gen Z buyers are stepping confidently into homeownership. Why here? Because Des Moines offers a rare mix—affordable housing that leaves room for lifestyle.

Unlike pricier coastal cities, our community provides young buyers the chance to purchase a home without giving up travel, savings goals, or everyday experiences that matter most.

Why Affordability in Des Moines Matters for Young Buyers

For Millennials and Gen Z, buying a home isn’t just about four walls and a roof—it’s about building stability and still having the financial freedom to live fully.

• Lower cost of entry: Home prices in Des Moines are more in line with income than in many U.S. markets, making it easier to get a foot in the door.
  
  
• Manageable monthly payments: A mortgage here doesn’t eat up all of a paycheck, giving young homeowners flexibility for lifestyle expenses like fitness, hobbies, or travel.
  
  
• Future-focused investment: Buying in an affordable market like Des Moines helps younger generations build equity faster, opening doors for future moves, upgrades, or investment opportunities.
  
  

This balance between affordability and lifestyle is exactly what makes Des Moines so appealing right now.

Lifestyle Beyond the Mortgage

One of the biggest fears among younger buyers is becoming “house poor.” The good news? In Des Moines, that’s far less likely.

Here’s what affordable homeownership makes possible:

• Travel on the calendar – Lower mortgage payments mean there’s still room to budget for weekend getaways or big adventures abroad.
  
  
• Savings that grow – Whether it’s retirement funds, an emergency cushion, or investing in experiences, affordability gives breathing room to plan ahead.
  
  
• Everyday enjoyment – From catching a show at Hoyt Sherman, exploring the East Village, to simply saying “yes” to a night out—homeownership here doesn’t mean sacrificing fun.
  
  

Best Des Moines Neighborhoods for Millennial & Gen Z Buyers

Young buyers aren’t all looking for the same thing—some crave the buzz of city living, while others want more space with modern conveniences. Here are a few spots where affordability meets lifestyle:

• East Village: Perfect for those who love walkable streets, coffee shops, boutiques, and cultural events. A great fit for creatives and professionals.
  
  
• Beaverdale: Known for its charm and community feel, this area offers affordable single-family homes and a neighborhood vibe that’s hard to beat.
  
  
• South of Grand: For buyers looking for more space while staying close to downtown, this area mixes lifestyle perks with accessible pricing.
  
  
• Suburban options (West Des Moines, Ankeny, Waukee): Great for buyers who want newer builds, strong schools, and quick commutes—without losing affordability.
  
  

Smart Financing Tips for First-Time Buyers

Financing is often the biggest hurdle for young buyers. Here are a few strategies to make the process smoother:

1. Explore first-time buyer programs – Iowa offers down payment assistance and other incentives that can reduce upfront costs.
   
   
2. Look into FHA or USDA loans – These options can lower the barrier to entry for buyers with smaller savings or modest credit.
   
   
3. Think long-term affordability – Choose a payment that leaves space for your lifestyle, not just the maximum amount you’re approved for.
   
   
4. Team up with a trusted agent – Having a knowledgeable partner (like The dsmSOLD Team) ensures you don’t miss opportunities or overpay in a competitive market.
   
   

Why Millennials & Gen Z Are Choosing Des Moines

Younger generations are proving that homeownership doesn’t have to mean giving up freedom. In Des Moines, the math works:

• Lower home prices + steady incomes = more room for living.
  
  
• Buyers can own a home, build equity, and still enjoy the flexibility to travel, save, and thrive.
  
  

It’s this unique combination that has made Des Moines one of the most attractive metros in the country for Gen Z and Millennial buyers.

Final Thoughts from The dsmSOLD Team

At The dsmSOLD Team at Keller Williams Legacy Group, we believe buying your first home should feel empowering, not limiting. That’s why we’re passionate about helping Millennial and Gen Z buyers find not just any house, but the right home for their lifestyle.

Whether you’re looking for a trendy downtown condo, a cozy starter home in a friendly neighborhood, or a suburban spot with room to grow, Des Moines has it all—at a price that makes life beyond the mortgage possible.

If you’re ready to explore what homeownership could look like for you, let’s connect. We’ll help you unlock the doors to a future where home and lifestyle go hand in hand.