49129 — Berrien County, Michigan Market Snapshot
Housing market data for zip code 49129 in Berrien County, Michigan. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$820,500
Days to Sell
44
Homes Sold
10
Inventory
15
Sale-to-List
99.9%
New Listings
20
Price/SqFt
$635
Pending Sales
11
Conforming Loan Available
The median home in 49129 at $820,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
49129's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 49129 (99.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 49129 at $820,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 49129 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 49129
To purchase the median home at $820,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,436.
Monthly Payment
$6,436
Income Required
$275,846
Principal & Interest
$5,056/mo
Down Payment (5%)
$41,025
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 49129.
Estimated Monthly Payment
$5,228
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