49315 — Allegan County, Michigan Market Snapshot
Housing market data for zip code 49315 in Allegan County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
103 sales in 2026 (year to date)
Median Sale Price
$474,900
Days to Sell
16
Homes Sold
103
Inventory
63
Sale-to-List
100.2%
New Listings
139
Price/SqFt
$235
Pending Sales
119
Conforming Loan Available
Most homebuyers in 49315 can comfortably use conventional financing. The median home price of $474,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
Homes in 49315 are moving quickly at 16 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes are selling very close to asking price in 49315 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49315 can comfortably use conventional financing. The median home price of $474,900 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 49315 are set at the county level.
2026 Loan Limits — Allegan County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 49315
To purchase the median home at $474,900 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,789.
Monthly Payment
$3,789
Income Required
$162,366
Principal & Interest
$2,926/mo
Down Payment (5%)
$23,745
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 49315.
Estimated Monthly Payment
$3,089
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