49423 — Allegan County, Michigan Market Snapshot
Housing market data for zip code 49423 in Allegan County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
34 sales in 2026 (year to date)
Median Sale Price
$353,750
Days to Sell
24
Homes Sold
34
Inventory
27
Sale-to-List
98.6%
New Listings
54
Price/SqFt
$233
Pending Sales
50
Conforming Loan Available
Most homebuyers in 49423 can comfortably use conventional financing. The median home price of $353,750 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 49423 are moving quickly at 24 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 49423 (98.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 49423 can comfortably use conventional financing. The median home price of $353,750 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 49423 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 49423
To purchase the median home at $353,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,860.
Monthly Payment
$2,860
Income Required
$122,585
Principal & Interest
$2,180/mo
Down Payment (5%)
$17,688
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 49423.
Estimated Monthly Payment
$2,339
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