49103 — Berrien County, Michigan Market Snapshot
Housing market data for zip code 49103 in Berrien County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
18 sales in 2026 (year to date)
Median Sale Price
$335,000
Days to Sell
72
Homes Sold
18
Inventory
26
Sale-to-List
96.8%
New Listings
34
Price/SqFt
$182
Pending Sales
26
Conforming Loan Available
Most homebuyers in 49103 can comfortably use conventional financing. The median home price of $335,000 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
With homes sitting for 72 days on average, 49103 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 49103 sells for 3.2% below asking price (96.8% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 49103 can comfortably use conventional financing. The median home price of $335,000 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 49103 are set at the county level.
2026 Loan Limits — Berrien 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 49103
To purchase the median home at $335,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,717.
Monthly Payment
$2,717
Income Required
$116,428
Principal & Interest
$2,064/mo
Down Payment (5%)
$16,750
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 49103.
Estimated Monthly Payment
$2,223
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