Moving to Des Moines, IA: Complete Relocation Guide (2026)

Des Moines, Iowa's capital and largest city, has transformed from a quiet Midwestern insurance town into one of the nation's most livable metros. With a metro population of about 700,000, Des Moines offers a thriving job market, an increasingly vibrant cultural scene, and some of the most affordable living among U.S. cities with comparable amenities. If you're planning a move to Des Moines in 2026, you're joining a city on the rise. Here's what to expect.

Cost of Living in Des Moines

Des Moines' cost of living index sits at approximately 88, about 12% below the national average. The median home price in the metro is around $255,000, with many established neighborhoods inside the city offering homes for $175,000 to $300,000. The western suburbs of West Des Moines and Waukee command premiums, with medians reaching $350,000 to $425,000. Rent for a one-bedroom apartment averages $1,000 in the city and $1,150 in the western suburbs. Groceries are about 5% below national averages — Hy-Vee, Iowa's homegrown grocery chain, offers competitive pricing and excellent quality. Iowa's income tax has been reformed to a flat rate of 3.9%, down from previous graduated rates. The combined sales tax in Des Moines is approximately 7%.

Top Neighborhoods for New Residents

East Village: Des Moines' trendiest neighborhood, located just east of the Capitol, features converted warehouse lofts, boutique shops, restaurants, and a vibrant Saturday farmers' market. One-bedroom apartments average $1,200, and the walkable urban lifestyle attracts young professionals.

Sherman Hill: A historic neighborhood with beautifully restored Victorian homes, Sherman Hill offers character and proximity to downtown. Homes range from $200,000 to $400,000 and the neighborhood has a strong community association.

Beaverdale: Often called Des Moines' best-kept secret, Beaverdale offers a walkable village center, well-maintained homes from the 1930s-1960s, and a strong sense of community. Home prices range from $175,000 to $325,000.

West Des Moines/Waukee: The western growth corridor features new construction, excellent schools in the Waukee and West Des Moines districts, and a suburban lifestyle. Homes range from $300,000 to $500,000, and the Jordan Creek Town Center provides major retail options.

Job Market and Major Employers

Des Moines is a financial services powerhouse. Principal Financial Group, EMC Insurance, FBL Financial Group, and Allied Insurance are headquartered here, along with major operations from Wells Fargo, Nationwide, and John Deere Financial. The insurance industry alone employs tens of thousands in the metro. Beyond finance, healthcare (UnityPoint Health, MercyOne), tech (Workiva, Dwolla), and state government provide diverse employment. The Des Moines metro has consistently ranked among the top cities for job seekers, with unemployment hovering around 2.7% — one of the lowest in the nation. Average household income is approximately $72,000.

Things to Know Before Moving

Des Moines has genuine four-season weather: hot, humid summers in the 90s, cold winters with lows frequently below zero, and spectacular falls. Snow averages about 35 inches per year, and ice storms can be a hazard. The Iowa State Fair, held every August, is one of the largest in the nation and a cultural institution. The city's trail system, anchored by the popular Gray's Lake loop and the High Trestle Trail bridge (a marvel of public art), makes cycling a real transportation and recreation option. Des Moines' food scene has grown significantly, with the East Village and Ingersoll Avenue offering restaurants that would be at home in cities twice its size. The Pappajohn Sculpture Park and the Des Moines Art Center add visual arts credentials.

Tips for Your Move

Fall is the ideal moving season — pleasant weather, beautiful foliage, and lower demand than summer. Des Moines sits at the junction of I-35 and I-80, making it accessible from most directions. Check moving routes to find the best approach from your origin city. Iowa's vehicle registration process requires you to transfer your title and plates within 30 days of establishing residency. The metro's low traffic congestion means commutes are manageable from virtually any suburb.

Ready for Des Moines? Get free moving quotes from professional movers and start planning your Iowa relocation today.